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
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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 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 DRN3331283
4 Feb 2020 Clydesdale Bank Plc UpheldBanking and creditMrs T has complained Clydesdale Bank PLC won’t refund £10,000 which she didn’t authorise. She believes they should have done more to protect her.backgroundAfter the death of her husband, Mrs T arranged for her daughter, Miss T, to be given a debit card on her current account with Clydesdal... (4 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-4985970
27 Aug 2024 Startline Motor Finance Limited UpheldConsumer CreditDRN-4985970 The complaint Mr G complains Startline Motor Finance Limited (Startline) supplied him with a car that he believes wasn’t of satisfactory quality at supply. Mr G is represented by his mother, Ms G but as he’s the agreement holder, I will refer to him only throughout this dec... (5 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-2836570
16 Jul 2021 MotoNovo Finance Limited UpheldConsumer CreditDRN-2836570 The complaint Miss S complains that MotoNovo Finance Limited rejected her claim under S 75 Consumer Credit Act 1974 in respect of a faulty car. What happened In July 2020 Miss S acquired a second-hand car at a cost of £10,846 funded by a deposit of £500 and the balance by hire ... (3 pages)View decision -
Decision Reference DRN-4845587
14 Jun 2024 Capital Com (UK) Limited UpheldInvestmentsDRN-4845587 The complaint Mr I complains that Capital Com (UK) Limited (“Capital”) closed 16 of his open contract for differences positions without his knowledge or permission. He says the closures happened due to a technical problem with Capital’s platform and that, after the positions we... (4 pages)View decision -
Decision Reference DRN-2754731
7 Jan 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-2754731 The complaint Ms H is unhappy that HSBC UK Bank Plc failed to refund her money that she lost as a result of a fraud. What happened In February 2020 Ms H was looking for accommodation online for a trip abroad. She found an accommodation she liked and had seen it across numerous ... (4 pages)View decision
