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 4569 results
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Decision Reference DRN-4965517
9 Sep 2024 Bank of Scotland Plc Not upheldMortgagesDRN-4965517 The complaint This complaint is about a mortgage Mr and Mrs J hold with Bank of Scotland plc trading as Birmingham Midshires (BM). The gist of the complaint is about legal action BM carried out to take possession of the mortgaged property, and whether and to what extent it c... (4 pages)View decision -
Decision Reference DRN-5124263
6 Feb 2025 RCI Financial Services Limited Not upheldConsumer CreditDRN-5124263 The complaint Mr H complains about the quality of the car RCI Financial Services trading as Nissan Financial Services supplied him. Mr H says the car isn’t functioning as it should and wants to return the car and end his agreement with RCI. What happened Mr H entered into a... (4 pages)View decision -
Decision Reference DRN-4660938
12 Mar 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4660938 The complaint Mr B complains that Monzo Bank Ltd won’t reimburse him after he fell victim to a scam What happened Both parties are aware of the circumstances surrounding this complaint, so I won’t repeat them in full here. But briefly, both parties accept that in February 2023,... (4 pages)View decision -
Decision Reference DRN-5262009
16 Jan 2025 Bradford & Bingley Limited UpheldMortgagesDRN-5262009 The complaint Mrs S’ complaint is that Bradford & Bingley Limited has lost the title deeds and related documentation it was provided with when she took out a mortgage with it in 1998. What happened Mrs S’ mortgage with Bradford & Bingley was advanced in September 199... (4 pages)View decision -
Decision Reference DRN4032066
21 Aug 2017 The Royal Bank of Scotland Plc Not upheldBanking and creditMr C complains about how The Royal Bank of Scotland Plc (RBS) handled his re-mortgage application.backgroundMr C and his former wife had a mortgage with a business in the RBS group. When they separated, it was agreed that Mr C would take over the mortgage and so he a... (3 pages)View decision -
Decision Reference DRN6671628
6 Jan 2016 Barclays Bank Plc Not upheldBanking and creditMr and Mrs R have complained that Barclays Bank Plc (Barclays) mis-sold two packaged bank accounts to them. They initially had an Additions packaged account they took out at some point between 1996 and 1998. They then upgraded this account to an Additions Plus account ... (4 pages)View decision -
Decision Reference DRN-4357656
16 Nov 2023 Revolut Ltd Not upheldBanking and PaymentsDRN-4357656 The complaint Miss S complains that Revolut Ltd failed to refund transactions made from her account that she didn’t recognise. What happened What Miss S says Miss S says she noticed her mobile phone had stopped working and believed this could have been because of an update to i... (4 pages)View decision -
Decision Reference DRN-4808436
30 May 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4808436 The complaint Mr S complains Lloyds Bank PLC (“Lloyds”) closed his account which was in an unarranged overdraft and registered a default against him in 2022 with credit reference agencies. Mr S says Lloyds didn’t notify him nor followed a fair process in doing so. To put things... (4 pages)View decision -
Decision Reference DRN-5158837
20 Nov 2024 ReAssure Limited Not upheldPensions and AnnuitiesDRN-5158837 The complaint Mr M has complained about a transfer of his personal pensions with ReAssure Limited (ReAssure) to a small self-administered scheme (SSAS) in June 2015. Mr M’s SSAS was subsequently used to invest in The Resort Group (TRG). The investment now appears to have lit... (16 pages)View decision -
Decision Reference DRN-5859626
3 Oct 2025 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-5859626 The complaint Mr L complained about the quality of a car provided on finance by Moneybarn No.1 Limited. What happened Moneybarn supplied Mr L with a used car on a conditional sale agreement in September 2024. The cash price of the car was around £9,000 and it had covered ar... (4 pages)View decision
