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 4032 results
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Decision Reference DRN-4326581
10 Jan 2024 Clydesdale Financial Services Limited UpheldConsumer Credit1 Summary 1.This complaint is about the commission Clydesdale Financial Services Limited (trading as Barclays Partner Finance (“Barclays PF”)) paid to a credit broker (the “Broker”) when Miss L took out a conditional-sale agreement to buy a car in November 2018. 2.Miss L complains that Bar... (70 pages)View decision -
Decision Reference DRN-3955762
2 Mar 2023 Black Horse Limited Not upheldConsumer CreditDRN-3955762 The complaint Mr T is unhappy with an offer made in relation to a complaint about the quality of a car supplied under a hire purchase agreement. This was provided by Black Horse Limited trading as Land Rover Financial Services (‘Black Horse’). What happened In October 2018, Mr ... (5 pages)View decision -
Decision Reference DRN-4997501
9 Jun 2025 Revolut Ltd UpheldBanking and PaymentsDRN-4997501 The complaint Mr L is unhappy Revolut Ltd didn’t refund payments he made as part of a scam. Mr L brings his complaint via professional representatives, but for simplicity I’ve referred to the actions of Mr L throughout this decision. What happened In September 2023 Mr L came... (11 pages)View decision -
Decision Reference DRN8971993
5 Nov 2015 Hitachi Capital (UK) Plc UpheldBanking and creditMr R has complained about the quality, and installation, of bathrooms he bought, partially usually a point of sale loan from Hitachi Capital (UK) Plc.Mr R has been represented by Mr H. But I’ll refer to Mr H’s submissions as having been made by Mr R himself.backg... (2 pages)View decision -
Decision Reference DRN-3408784
31 Mar 2022 Quilter Financial Planning Solutions Limited UpheldInvestmentsDRN-3408784 The complaint Mr W’s complained that advice he received to invest into an unregulated Scion Film Opportunities LLP (‘Scion’) holding was unsuitable. Mr W says this advice was provided by a representative of Quilter Financial Planning Solutions Limited (‘Quilter’). What happened... (14 pages)View decision -
Decision Reference DRN7756278
19 Sep 2017 Casheuronet UK LLC UpheldBanking and creditMr C complains that CashEuroNet UK LLC, trading as Quick Quid, gave him loans he couldn’t afford to repay.backgroundOur adjudicator upheld this complaint. Quick Quid disagreed and asked for an ombudsman to make a decision.I issued a provisional decision on 1 September 201... (6 pages)View decision -
Decision Reference DRN-5032060
19 Sep 2024 AJ Bell Management Limited UpheldPensions and AnnuitiesDRN-5032060 The complaint Mr B has complained that he was advised to consolidate existing personal pensions into a self-invested personal pension (‘SIPP’) with AJ Bell Management Limited (‘AJ Bell’). He was then advised to make an investment in his pension which he says has lost value. ... (30 pages)View decision -
Decision Reference DRN-5682161
24 Oct 2025 Nationwide Building Society UpheldBanking and PaymentsDRN-5682161 The complaint Mrs and Mr S complain that Nationwide Building Society (‘Nationwide’) declined to refund them £20,000 which they say they lost as a result of a scam. What happened The circumstances of this complaint are well known to both parties, so I will not go into every d... (7 pages)View decision -
Decision Reference DRN6796142
29 Aug 2018 Close Brothers Limited UpheldBanking and creditMiss M complains about a car she obtained via a conditional sale Agreement with CloseBrothers Limited. She says the car wasn’t of satisfactory quality when she got it and shewants to reject it.backgroundThe background to this decision is set out in the provisional d... (3 pages)View decision -
Decision Reference DRN-5092962
18 Oct 2024 London & Colonial Services Limited UpheldPensions and AnnuitiesDRN-5092962 The complaint Mr C transferred three personal pensions to a Self-Invested Personal Pension (‘SIPP’) provided by London & Colonial Services Limited (‘L&C’), and his SIPP monies were invested in The Resort Group's (‘TRG’s) Dunas Beach Hotel Resort (‘Dunas Beach’).... (44 pages)View decision
