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 4009 results
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Decision Reference DRN4489820
26 Mar 2019 Santander UK Plc UpheldBanking and creditMr and Mrs S are unhappy that Santander UK Plc debited their bank account for transactions they didn’t make. Mrs S says she was tricked by fraudsters into handing over information which they then used to transfer funds out of their joint account.backgroundMrs S fell v... (14 pages)View decision -
Decision Reference DRN-3043032
10 Mar 2022 Bank of America Europe DAC Not upheldInvestmentsDRN-3043032 The complaint Ms M’s complaint relates to the Dual Currency Deposit (‘DCD’) account she opened in 2008 with Bank of America Merrill Lynch International Designated Activity Company – hereafter referred to as ‘ML’ and, as respondent to the complaint, Bank of America Europe DAC (‘... (6 pages)View decision -
Decision Reference DRN5550012
26 Oct 2017 Bank of Scotland Plc UpheldBanking and creditMr G is unhappy about the way in which Bank of Scotland plc (trading as Halifax) dealt with his mortgage application. The complaint has been brought on his behalf by his mother, Ms K. Ms K says that Halifax: refused to consider a mining report for several weeks lea... (6 pages)View decision -
Decision Reference DRN-4385009
23 Apr 2024 Bank of Scotland Plc Not upheldInvestmentsDRN-4385009 The complaint Mrs W complains that she was mis-sold an ISA by Bank of Scotland plc (BoS) – she states that the investment fund carried a higher level of risk than she was willing to take. Mrs W’s complaint has been brought by a third party however for the sake of clarity I will... (4 pages)View decision -
Decision Reference DRN-5442027
31 Mar 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5442027 The complaint Mr L complains that Revolut Ltd has declined to refund payments he made as part of an investment scam. What happened While Mr L has a representative in bringing this complaint – for simplicity I’ll refer to Mr L in relation to comments made by him and on his be... (12 pages)View decision -
Decision Reference DRN-4560207
13 Mar 2024 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4560207 The complaint Mr B complains Clydesdale Bank Plc trading as Virgin Money (“Virgin”) has not dealt fairly with a claim he made under section 75 of the Consumer Credit Act (“CCA”). What happened All parties to the complaint should by now be well-familiar with the background, so I... (4 pages)View decision -
Decision Reference DRN-4894941
8 Aug 2024 Trading 212 UK Limited Not upheldInvestmentsDRN-4894941 The complaint Mr W complains that Trading 212 UK Limited (“T212”) wrongly enabled money to be withdrawn from his trading account. What happened The background to the matter will be well-known to both parties, so I’ll just briefly summarise what occurred. In early March 2023 ... (4 pages)View decision -
Decision Reference DRN-5180468
12 Dec 2024 Revolut Ltd UpheldBanking and PaymentsDRN-5180468 The complaint Mr B complains that Revolut Limited (‘Revolut’) won’t refund the money he lost when he fell victim to a scam. What happened Mr B says he saw an advertisement online that referred to making money through cryptocurrency investment through a company I’ll call W in... (10 pages)View decision -
Decision Reference DRN-4838358
15 Jul 2024 Revolut Ltd Not upheldBanking and PaymentsDRN-4838358 The complaint Mr S complains that Revolut Ltd won’t refund money he lost when he fell victim to an investment scam. Mr S is being represented by solicitors in this complaint. What happened The detailed background to this complaint is well known to both parties and has been... (4 pages)View decision -
Decision Reference DRN-4556328
28 Nov 2024 Wise Payments Limited Not upheldBanking and PaymentsDRN-4556328 The complaint Mr V complains that Wise Payments Limited won’t refund money he lost when he was a victim of a scam. Mr V is represented by a firm that I’ll refer to as ‘R’. What happened The background to this complaint is well known to both parties and so I’ll only refer to ... (8 pages)View decision
