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 391431 results
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Decision Reference DRN-5647203
30 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5647203 The complaint Mr S complains that NewDay Ltd trading as Argos Classic Credit Card (Argos) irresponsibly lent to him. What happened Mr S was approved for an Argos credit card in April 2020, with a £450 credit limit. The credit limit was increased in August 2020 (to £1,000), i... (4 pages)View decision -
Decision Reference DRN-5704033
30 Oct 2025 MotoNovo Finance Limited Not upheldConsumer CreditDRN-5704033 The complaint Ms R, who is represented by a professional representative (“PR”) complains that MotoNovo Finance Limited rejected her claim that a vehicle she acquired was misrepresented. What happened In May 2019 Ms R acquired a second-hand car funded by a hire purchase contr... (3 pages)View decision -
Decision Reference DRN-5910282
30 Oct 2025 Startline Motor Finance Limited Not upheldConsumer CreditDRN-5910282 The complaint Mr J complains that Startline Motor Finance Limited (Startline) incorrectly applied partial early settlement (pes) payments he made to his account causing him financial loss and considerable distress and inconvenience . He would like this situation resolved. ... (2 pages)View decision -
Decision Reference DRN-5796636
30 Oct 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5796636 The complaint Miss D complains that National Westminster Bank Public Limited Company (NatWest) irresponsibly lent to her. What happened Miss D was approved for a NatWest credit card in March 2020 with a £5,450 credit limit. Miss D says she had just been approved for an overd... (2 pages)View decision -
Decision Reference DRN-5575191
30 Oct 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5575191 The complaint Mr A complains Barclays Bank UK PLC trading as Barclaycard provided poor service and unfairly closed his credit card account. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some ... (3 pages)View decision -
Decision Reference DRN-5860854
30 Oct 2025 Atlanta Insurance Intermediaries Limited Not upheldInsuranceDRN-5860854 The complaint Mr M complains that Atlanta Insurance Intermediaries Limited (trading as Be Wiser) pursued him for premiums after his motor insurance policy was cancelled. What happened Mr M applied through an online comparison site for a motor policy with an insurer. Atlanta ... (5 pages)View decision -
Decision Reference DRN-5609030
30 Oct 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5609030 The complaint Mr M complains that Bank of Scotland plc trading as Halifax (‘Halifax’) won’t reimburse the funds he lost when he says he fell victim to a scam. What happened Mr M says that in April 2024 he paid a garage £2,300 to repair the gearbox of his car. In May he paid ... (3 pages)View decision -
Decision Reference DRN-5751339
30 Oct 2025 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5751339 The complaint Mrs G complains the Royal Bank of Scotland Plc won’t let her make a large cash withdrawal unless she provides invoices or other documentation. What happened Mrs G has a current account and a savings account with the Royal Bank of Scotland. Mrs G called Royal Ba... (2 pages)View decision -
Decision Reference DRN-5907873
30 Oct 2025 Ageas Insurance Limited UpheldInsuranceDRN-5907873 The complaint Mr T complains that Ageas Insurance Limited (Ageas) unfairly declined his motor insurance claim after his car was stolen. What happened In August 2024, Mr T told Ageas his car had been stolen whilst being repaired at a garage. Mr T reported the theft to the pol... (4 pages)View decision -
Decision Reference DRN-5884209
30 Oct 2025 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-5884209 The complaint Miss C complains about the outcome of a claim she made to Creation Consumer Finance Ltd (“Creation”) in relation to an item she purchased using a loan it provided. What happened In December 2024, Miss C used her running account credit agreement with Creation t... (4 pages)View decision