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 4014 results
-
Decision Reference DRN-5269119
17 Jan 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5269119 The complaint Mr R complains that Revolut Ltd won’t refund money he lost when he fell victim to a cryptocurrency investment scam. Mr R is being represented by solicitors in this complaint. What happened The detailed background to this complaint is well-known to the parties... (5 pages)View decision -
Decision Reference DRN-4961865
23 Apr 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-4961865 The complaint Ms L is unhappy that Revolut Ltd (“Revolut”) won't refund the money she lost to job scam. What happened In July 2023 Ms L came across remote job opportunity which involved completing tasks for commission. Ms L signed up to the job platform where she would... (6 pages)View decision -
Decision Reference DRN-4045393
27 Mar 2023 Gaudi Regulated Services Limited UpheldPensions and AnnuitiesDRN-4045393 The complaint Mr N has a self-invested personal pension (SIPP) with Gaudi Regulated Services Limited (Gaudi). Mr N says Gaudi failed to carry out appropriate due diligence checks on his application to open the SIPP and invest in non-mainstream investments which have since faile... (31 pages)View decision -
Decision Reference DRN-5622271
10 Oct 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5622271 The complaint Miss S complains that Barclays Bank UK PLC failed to fulfil its obligations in relation to unusual and suspicious activity on her account. Miss S says the bank failed to prevent her being a victim of blackmail and coercive control for a prolonged period. What h... (3 pages)View decision -
Decision Reference DRN0507591
14 Nov 2014 Pi Financial Ltd UpheldInvestment and pensionsG complains about the advice it received from Pi Financial Ltd (“Pi Financial”) to invest in the Connaught Guaranteed Income Fund Series 1. This fund was an unregulated collective investment scheme (“UCIS”). G considers that the advice to invest was unsuitable.backgroundThe complaint w... (5 pages)View decision -
Decision Reference DRN-5866666
9 Oct 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldBanking and PaymentsDRN-5866666 The complaint Ms B complains that NATIONAL WESTMINSTER PUBLIC LIMITED COMPANY (‘NatWest’) declined to refund her when she lost over £95,000 as a result of an investment scam. What happened I wrote to both parties sharing my initial thoughts in a provisional decision in Septe... (6 pages)View decision -
Decision Reference DRN-2723306
31 Mar 2021 Oplo CF Ltd UpheldConsumer CreditDRN-2723306 The complaint Mr A complained about the actions of Oplo CF Ltd trading as ‘1st Stop Car Finance’ (“Oplo”) when it repossessed a car he was paying for under a conditional sale agreement. What happened Oplo agreed credit of £8,390 for Mr A on 23 November 2018 via an intermediary ... (9 pages)View decision -
Decision Reference DRN-5118539
14 Feb 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5118539 The complaint Mr F complains that Lloyds Bank PLC (Lloyds) is refusing to refund him the amount he says he lost as the result of a scam. Mr F is being represented by a third party. To keep things simple, I will refer to Mr F throughout my decision. What happened The backgrou... (3 pages)View decision -
Decision Reference DRN-5253712
3 Jul 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5253712 The complaint Mr M complains that Revolut Ltd (‘Revolut’) hasn’t refunded the money he lost to a cryptocurrency investment scam. What happened The circumstances of the complaint are well-known to both parties. So, I don’t intend on setting these out in detail here. However, ... (5 pages)View decision -
Decision Reference DRN-4601872
5 Feb 2024 Oakbrook Finance Limited UpheldConsumer CreditDRN-4601872 The complaint Miss J complains that Oakbrook Finance Limited trading as Likely Loans irresponsibly agreed loans for her. What happened Likely Loans agreed two loans for Miss J. The first was taken out in May 2021, the second in July 2022. I’ve summarised some of the information... (4 pages)View decision
