We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 121479 results
-
Decision Reference DRN-4823501
20 Mar 2025 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4823501 The complaint Mr H is unhappy Lloyds Bank Plc have closed his account. He’s also unhappy with the service it provided leading up to and following the account closure. What happened Mr H has told us: - Lloyds has refused to refund an unauthorised transaction made on his acc... (5 pages)View decision -
Decision Reference DRN-5405513
20 Mar 2025 Lantern Debt Recovery Services Limited UpheldConsumer CreditDRN-5405513 The complaint Miss A complains that Lantern Debt Recovery Services Limited (Lantern) unfairly recorded a default on her credit file and this caused her a financial loss. What happened Miss A was a guarantor on a loan which was taken out. The loan account wasn’t kept up to da... (3 pages)View decision -
Decision Reference DRN-5232369
20 Mar 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5232369 The complaint Mr N complains that HSBC Bank UK plc (HSBC) failed to refund money after a successful chargeback request. He would like the money refunded and compensation for the distress and inconvenience. What happened The details of this complaint are well known to both p... (2 pages)View decision -
Decision Reference DRN-4903403
20 Mar 2025 American Express Services Europe Limited UpheldBanking and PaymentsDRN-4903403 The complaint Mr S complains that American Express Services Europe Limited (“Amex”) didn’t make reasonable adjustments when he complained to it. What happened Mr S purchased an air fryer for £161.99 from a supplier I’ll refer to as “F”. He says when it was delivered it was t... (3 pages)View decision -
Decision Reference DRN-5363640
20 Mar 2025 Zempler Bank Limited UpheldBanking and PaymentsDRN-5363640 The complaint F a limited company complains Zempler Bank Limited unfairly restricted and closed its accounts. F is represented by Mr M, a director. What happened F held a business account with Zempler, which was flagged and restricted on 6 November 2024. This meant no tran... (3 pages)View decision -
Decision Reference DRN-5082219
20 Mar 2025 Vodafone Limited UpheldConsumer CreditDRN-5082219 The complaint Mr G complains about the outstanding amount owed under a fixed sum loan agreement taken out with Vodafone Limited trading as Vodafone. What happened In September 2022, Mr G took out a Subscriber Identity Module (SIM) card only deal with Vodafone. He says he gav... (5 pages)View decision -
Decision Reference DRN-5412000
20 Mar 2025 Healthcare Finance Limited UpheldConsumer CreditDRN-5412000 The complaint Mr K has complained about the way Healthcare Finance Limited (“HFL”) dealt with a claim for money back in relation to dental treatment which he paid for with credit it provided. What happened In November 2022, Mr K entered into a fixed sum loan agreement with ... (5 pages)View decision -
Decision Reference DRN-5272267
20 Mar 2025 Tandem Home Loans Ltd UpheldMortgagesDRN-5272267 The complaint Miss A complains that Tandem Home Loans Ltd gave her second charge secured loan that was unaffordable. She also said it did not treat her fairly when she experienced financial difficulty. What happened In September 2019, Miss A took out a secured second charge ... (4 pages)View decision -
Decision Reference DRN-5372605
20 Mar 2025 IFG Pensions Limited UpheldPensions and AnnuitiesDRN-5372605 The complaint Mr W’s complaint concerns an investment in two funds of funds, which was made in his self- invested personal pension (SIPP), provided by IFG Pensions Limited (IFG). Mr W is represented by a Claims Management Company (CMC). The CMC says, by allowing the investme... (37 pages)View decision -
Decision Reference DRN-5032549
20 Mar 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5032549 The complaint Mr B complains that Revolut Ltd did not refund a payment he lost to a scam. What happened Mr B is represented by a claims management company on this complaint. For simplicity, I’ll refer to any submissions made either by Mr B directly or the claims management c... (8 pages)View decision
