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 392389 results
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Decision Reference DRN-5757309
14 Nov 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldBanking and PaymentsDRN-5757309 The complaint Mr E complains NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY won’t remove an internal marker that’s been unfairly applied against his name. He complains this marker, amongst other things, stops him applying for credit through its digital channels. What happe... (3 pages)View decision -
Decision Reference DRN-5791207
14 Nov 2025 Gain Credit LLC UpheldConsumer CreditDRN-5791207 The complaint Miss M complains about Gain Credit LLC trading as Lending Stream’s decision to lend to her. Miss M says she shouldn’t have been provided with the credit. What happened Miss M complained to Lending Stream about its decision to lend. It didn’t uphold her complai... (4 pages)View decision -
Decision Reference DRN-5732331
14 Nov 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5732331 The complaint Miss A complains that Capital One (Europe) plc irresponsibly lent to her. What happened Miss A was approved for a Capital One credit card in July 2021 (which I will refer to as A in this decision), with a £200 credit limit. The credit limit on A was increased t... (3 pages)View decision -
Decision Reference DRN-5949582
14 Nov 2025 Saxo Capital Markets UK Ltd Not upheldInvestmentsDRN-5949582 The complaint Miss T has complained that Saxo Capital Markets UK Ltd (‘Saxo’) incorrectly closed her Contracts for Difference (‘CFD’) positions because of a technical error. She would like her closed positions reinstated. What happened Miss T had a CFD trading account with ... (5 pages)View decision -
Decision Reference DRN-5936235
14 Nov 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5936235 The complaint Ms O complains that HSBC UK Bank Plc did not reimburse the funds she lost to a scam. What happened Ms O saw an investment opportunity being advertised on social media, it was being endorsed by a politician and she reached out to the company. She began speaking ... (4 pages)View decision -
Decision Reference DRN-5933896
14 Nov 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5933896 The complaint Mrs W complains that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY (NatWest) irresponsibly provided her with an overdraft. What happened Mrs W held a bank account with NatWest. In July 2024, NatWest approved Mrs W’s application for an overdraft and provided... (3 pages)View decision -
Decision Reference DRN-5614816
14 Nov 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5614816 The complaint Mr W complains that Bank of Scotland plc trading as Halifax (Halifax) is refusing to refund him the amount he lost as the result of a scam. Mr W is being represented by a third party. To keep things simple, I will refer to Mr W throughout my decision. What happ... (3 pages)View decision -
Decision Reference DRN-5611255
14 Nov 2025 PROPEL HOLDINGS (UK) LIMITED UpheldConsumer CreditDRN-5611255 The complaint Mr G complains that Propel Holdings (UK) Limited trading as Quid Market irresponsibly provided him with loans. What happened Over a period of about two and a half years Quid Market provided the following loans to Mr G. Loan no: Start date Loan amount T... (3 pages)View decision -
Decision Reference DRN-5889502
14 Nov 2025 Marshmallow Insurance Limited Not upheldInsuranceDRN-5889502 The complaint Mr C complains that Marshmallow Insurance Limited unfairly cancelled his motor insurance policy, told him it wouldn’t cover him for a claim and sought to recover an outstanding premium balance from him. What happened Mr C applied for a policy with Marshmallow i... (4 pages)View decision -
Decision Reference DRN-5821629
14 Nov 2025 Quilter Financial Limited Not upheldPensions and AnnuitiesDRN-5821629 The complaint Mr F complains that a representative of Quilter Financial Limited provided him with unsuitable pensions advice and failed to provide the ongoing advice service he’d paid for. What happened Mr F held a self-invested personal pension (‘SIPP’) with Hornbuckle Mitc... (4 pages)View decision