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-5821472
14 Nov 2025 Funding Circle Ltd Not upheldInvestmentsDRN-5821472 The complaint The estate of Mr D has complained that Funding Circle Ltd (‘Funding Circle’) allowed an unauthorised third party to open two accounts in Mr D’s name. The executor wants the estate’s money to be refunded in full with reasonable interest. The estate is represent... (4 pages)View decision -
Decision Reference DRN0354754
15 Jan 2021 Davies Financial Limited UpheldInvestment and pensionsMr and Mrs S were both members and Trustees of “the SSAS” (a small self administered scheme - a pension). Their complaint is that in May 2006 Davies Financial Limited (Davies Financial) advised them to invest in the Stirling Mortimer Majestic Village No 1 Fund which they believe was unsuit... (50 pages)View decision -
Decision Reference DRN-4600310
27 Feb 2024 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-4600310 The complaint Miss P complains about a car she acquired with finance provided by BMW Financial Services (GB) Limited (“BMWFS”). What happened In March 2019, Miss P entered into a regulated hire purchase agreement with BMWFS, under which she acquired a new car. The cash price wa... (7 pages)View decision -
Decision Reference DRN-4739059
1 Jul 2024 Revolut Ltd Not upheldBanking and PaymentsDRN-4739059 The complaint Miss S complains that Revolut Ltd won’t refund money she lost when she fell victim to an employment scam. Miss 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 als... (4 pages)View decision -
Decision Reference DRN0397045
28 Feb 2020 HSBC UK Bank Plc Not upheldBanking and creditComplaintMr K complains HSBC UK Bank Plc failed to refund him a large sum of money he says was debited from his current account without his permission. He also says they unfairly closed his account during what was a very difficult time for him. He wants them to refund him the amount of mon... (4 pages)View decision -
Decision Reference DRN-3867322
21 Mar 2023 Chetwood Financial Limited Not upheldConsumer CreditDRN-3867322 The complaint Mr W is unhappy Chetwood Financial Limited (trading as BetterBorrow) is holding him liable for a loan applied for in his name as part of a scam. What happened The background to this complaint is well known to both parties, so I’ll only refer to some key events her... (4 pages)View decision -
Decision Reference DRN-2809472
14 May 2021 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-2809472 The complaint Mr H complains that HSBC UK Bank Plc, trading as first direct, failed to process direct debit payments to a cryptocurrency firm, and refused to replace his debit card. What happened Mr H has an account with first direct. He used to use his debit card to make onlin... (2 pages)View decision -
Decision Reference DRN4258344
14 Apr 2020 Hyundai Capital UK Limited UpheldBanking and creditMiss D complains that the car she acquired via a personal contract purchase (“PCP”) with Hyundai Capital UK Limited wasn’t of satisfactory quality.backgroundIn November 2018 Miss D acquired a new car via a PCP agreement with Hyundai. She says that within a short time the car developed an i... (5 pages)View decision -
Decision Reference DRN-4331225
5 Oct 2023 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-4331225 The complaint Mr S complains about the quality of a car supplied to him under a hire purchase agreement with Blue Motor Finance Ltd (“Blue”). What happened In November 2021 Mr S took out a hire purchase agreement with Blue for a used car. The car was around five and a half year... (4 pages)View decision -
Decision Reference DRN5213292
12 Mar 2021 Falcon International Financial Services Ltd UpheldInvestment and pensionsComplaint Mr S is complaining about Falcon International Financial Services Ltd (FIFS). In his complaint form, he says he believes he received unsuitable advice to transfer his pension benefits to a self-invested personal pension (SIPP) to fund high-risk, unregulated investments. In previo... (38 pages)View decision
