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 4037 results
-
Decision Reference DRN-5314376
12 May 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5314376 The complaint Mr M complains that Bank of Scotland plc trading as Halifax won’t refund money he lost when he fell victim to an investment scam. Mr M is being represented by a claims management company. What happened The full details of this complaint are well known to the ... (3 pages)View decision -
Decision Reference DRN0180132
13 Apr 2016 Volkswagen Financial Services (UK) Limited UpheldBanking and creditMr C complains that Volkswagen Financial Services (UK) Limited (VFS) supplied a faulty car and won’t take it back for a refund. backgroundThe background to this complaint and my provisional findings are set out in my provisional decision dated 10 February 2016 – a copy... (7 pages)View decision -
Decision Reference DRN-3983153
24 Mar 2023 Revolut Ltd UpheldBanking and PaymentsDRN-3983153 The complaint and background Mr K complains that Revolut Ltd will not refund money he lost to an investment scam. For the purposes of this decision, all reference to Mr K includes his representative. This complaint concerns eight payments Mr K made using his Revolut account in ... (4 pages)View decision -
Decision Reference DRN-5634907
23 Jun 2025 Blue Motor Finance Ltd UpheldConsumer CreditDRN-5634907 The complaint Miss B is unhappy that a car supplied to her under a hire purchase agreement with Blue Motor Finance Ltd (‘BMF’) was of an unsatisfactory quality. What happened In August 2022, Miss B was supplied with a used car through a hire purchase agreement with BMF. She... (5 pages)View decision -
Decision Reference DRN-5767642
23 Oct 2025 Blue Motor Finance Ltd UpheldConsumer CreditDRN-5767642 The complaint Mrs O complains that the car she acquired through Blue Motor Finance Ltd (“BMF”) wasn’t of satisfactory quality. She says the car turned out to have faults after she acquired it and it has been in the garage for months. She wants to reject the car and unwind th... (5 pages)View decision -
Decision Reference DRN-4954973
25 Jun 2025 North Edinburgh and Castle Credit Union Limited Not upheldConsumer CreditDRN-4954973 The complaint Ms B has complained that North Edinburgh and Castle Credit Union Limited trading as Castle Community Bank (Castle) are holding her liable for a loan that she did not take out. What happened Ms B said she fell victim to a scam after expressing an interest in an... (4 pages)View decision -
Decision Reference DRN9142131
16 Dec 2020 S4 Financial Ltd Not upheldInvestment and pensionsMr O has complained about advice he received from S4 Financial Ltd to invest in Triton Digital Media in April 2009. In particular, Mr O has said that the individual investment wasn’t suited to his balanced risk profile, and that, in recommending the investment, S4 also failed to create the... (42 pages)View decision -
Decision Reference DRN3200193
29 May 2019 Clydesdale Financial Services Limited UpheldBanking and creditMiss P complains that Clydesdale Financial Services Limited (trading as Barclays Partner Finance) terminated her credit agreement and thereby deprived her of her rights under section 75 of the Consumer Credit Act 1974.backgroundIn February 2016 Miss P decided to in... (10 pages)View decision -
Decision Reference DRN-2817737
15 Jun 2021 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-2817737 The complaint Mr H complains Volkswagen Financial Services (UK) Limited (VWFS) trading as Audi Financial Services has supplied him with a car of unsatisfactory quality. He asks to reject it. What happened I set out the background to this complaint in my earlier provisional dec... (4 pages)View decision -
Decision Reference DRN-5794864
4 Sep 2025 Starling Bank Limited UpheldBanking and PaymentsDRN-5794864 The complaint Mr M complains that Starling Bank Limited unfairly declined his application for a savings account. What happened Mr M already held accounts with Starling that he says we were well-managed and never overdrawn. Due to Starling’s decision to stop interest being ea... (2 pages)View decision
