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 400694 results
-
Decision Reference DRN-6218244
7 Apr 2026 Revolut Ltd UpheldBanking and PaymentsDRN-6218244 The complaint Mrs L complains Revolut Ltd unfairly denied her access to funds for five days when she was abroad. What happened The details of this complaint are well known to both parties, so I won’t repeat them here. Instead, I will focus on the reasons for my decision. W... (3 pages)View decision -
Decision Reference DRN-6204080
7 Apr 2026 KW Wealth Planning Limited Not upheldPensions and AnnuitiesDRN-6204080 The complaint Mr V complains that KW Wealth Planning Limited (KW) failed to apply the switch recommendations he’d accepted. He thinks this has caused a financial loss within his pension. What happened I understand that Mr V originally worked for a financial services business... (6 pages)View decision -
Decision Reference DRN-6250403
7 Apr 2026 Society of Lloyd's Not upheldInsuranceDRN-6250403 The complaint Mr R complains Society of Lloyd’s (SoL) declined a claim he made under a personal accident insurance policy. What happened The circumstances of this complaint will be well known to both parties and so I’ve summarised events. Mr R was covered under a group insur... (3 pages)View decision -
Decision Reference DRN-6217820
7 Apr 2026 OakNorth Bank plc Not upheldBanking and PaymentsDRN-6217820 The complaint Mr B complained that OakNorth Bank plc (OakNorth) said he had to serve notice of 95 days to transfer money from his existing deposit account to his new OakNorth deposit account. Mr B says the terms are unfair because OakNorth didn’t have to give notice before t... (3 pages)View decision -
Decision Reference DRN-6221766
7 Apr 2026 Advantage Finance Limited Not upheldConsumer CreditDRN-6221766 The complaint Mr A complains about the quality of a car supplied to him by ADVANTAGE FINANCE LIMITED (‘AF’). What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my role resolving disputes w... (3 pages)View decision -
Decision Reference DRN-6079683
7 Apr 2026 U K Insurance Limited Not upheldInsuranceDRN-6079683 The complaint Mr F complains that U K Insurance Limited trading as Churchill (UKI) unfairly settled a third- party claim made against him under a motor insurance policy. What happened The circumstances of this case are known to both parties but in summary Mr F has a motor in... (3 pages)View decision -
Decision Reference DRN-6275180
7 Apr 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6275180 The complaint Mr T and Mrs T complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2)... (11 pages)View decision -
Decision Reference DRN-5849004
7 Apr 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5849004 The complaint Mrs N complains that Bank of Scotland plc, trading as Halifax (“Halifax”), won’t refund her money, which she believes she has lost to a scam. What happened The background to this complaint is well known to all parties, so I won’t repeat it in detail here. But ... (4 pages)View decision -
Decision Reference DRN-6058515
7 Apr 2026 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-6058515 The complaint Mr T complains about the amount of interest Shop Direct Finance Company Limited (SDFCL) trading as very has applied to his credit account in relation to a buy now pay later (BNPL) agreement he had with it. What happened Mr T made a purchase using his SDFCL acc... (3 pages)View decision -
Decision Reference DRN-6128764
7 Apr 2026 Quilter Financial Planning Solutions Limited Not upheldInvestmentsDRN-6128764 The complaint Mr L complains that Quilter Financial Planning Solutions Limited (‘Quilter’) took commission payments from an investment he made but did not provide any ongoing advice or reviews. What happened Mr L met with a representative of a financial adviser firm, now kn... (2 pages)View decision