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-5921920
6 Nov 2025 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-5921920 The complaint Mr L complains about issues that he had with a car that was supplied to him under a conditional sale agreement with Moneybarn No. 1 Limited. What happened A used car was supplied to Mr L under a conditional sale agreement with Moneybarn that he signed in Januar... (2 pages)View decision -
Decision Reference DRN-5715360
6 Nov 2025 Starling Bank Limited UpheldBanking and PaymentsDRN-5715360 The complaint Mr F complains about Starling Bank Limited. He says that Starling didn’t do enough to protect him when he fell victim to a scam and would like it to refund him the money he has lost. What happened Mr F was contacted by an individual claiming to represent a co... (3 pages)View decision -
Decision Reference DRN-5934203
6 Nov 2025 Secure Trust Bank Public Limited Company UpheldConsumer CreditDRN-5934203 The complaint Mr E complains about a car supplied under a hire purchase agreement, provided by SECURE TRUST BANK PUBLIC LIMITED COMPANY trading as V12 Vehicle Finance (‘V12’). What happened Around September 2024 Mr E acquired a used car under a hire purchase agreement with ... (6 pages)View decision -
Decision Reference DRN-5715657
6 Nov 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5715657 The complaint Mr S complains about Revolut Ltd. He says that he has fallen victim to a purchase scam and would like Revolut to refund him the money he has lost. What happened Mr S was contacted by a friend ‘L’ via a messaging service with regards to purchasing a luxury wat... (4 pages)View decision -
Decision Reference DRN-5855567
6 Nov 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5855567 The complaint Mr C complains about changes in the terms and conditions of his Virgin Atlantic Reward + credit card which is issued by Clydesdale Bank Plc trading as Virgin Money. What happened Mr C holds a Virgin Atlantic Reward + credit card. The card has an annual fee of £... (3 pages)View decision -
Decision Reference DRN-5823370
6 Nov 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5823370 The complaint Mr C complains HSBC UK Bank Plc won’t refund the money he lost to what he believes was an investment scam. In bringing this complaint Mr C is supported by a professional representative, which I’ll refer to as ‘R’. What happened The background to this complain... (6 pages)View decision -
Decision Reference DRN-5829867
6 Nov 2025 Ageas Insurance Limited Not upheldInsuranceDRN-5829867 The complaint Mr A has complained that Ageas Insurance Limited (Ageas) has unfairly declined a claim under his home insurance policy. What happened Mr A contacted Ageas to make a claim for storm damage to his home. Ageas sent a surveyor to assess the damage. It then decline... (2 pages)View decision -
Decision Reference DRN-5623965
6 Nov 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5623965 The complaint Mr B complains about a missed payment appearing on his credit file in respect of the credit card he has with Barclays Bank UK PLC trading as Tesco Bank (‘TB’). What happened The parties are familiar with the background details of this complaint – so I will brie... (3 pages)View decision -
Decision Reference DRN-5922234
6 Nov 2025 Advantage Finance Ltd UpheldConsumer CreditDRN-5922234 The complaint Mr M has complained that a car provided on finance by Advantage Finance Ltd was not of satisfactory quality or as described. What happened Both Mr M and Advantage are familiar with the events, so I’ll briefly summarise them here. Advantage supplied Mr M with a... (7 pages)View decision -
Decision Reference DRN-5846893
6 Nov 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5846893 The complaint Mr S is unhappy with how Clydesdale Bank Plc trading as Virgin Money (“Virgin”) responded to his claim made under Section 75 of the Consumer Credit Act 1974. What happened The parties are familiar with the background of this complaint, so I will summarise it he... (3 pages)View decision