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 368546 results
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Decision Reference DRN-5620524
23 Jun 2025 Landmark Mortgages Limited Not upheldMortgagesDRN-5620524 The complaint Mr S complains that he should no longer be liable for the balance of the mortgage he had with Landmark Mortgages Limited (Landmark) and that it should have written off the debt following his sequestration and subsequent discharge. He also doesn’t believe that t... (3 pages)View decision -
Decision Reference DRN-5586697
23 Jun 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5586697 The complaint Mr K complains that a block that Bank of Scotland plc, trading as Halifax, had put on his credit card stopped a payment that he wanted to make. What happened Mr K has a Halifax credit card. He’d complained to Halifax that he hadn’t been able to use his credit c... (2 pages)View decision -
Decision Reference DRN-5630221
23 Jun 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5630221 The complaint Mr P complains that Capital One (Europe) plc lent irresponsibly when it approved his credit card application. What happened Mr P applied for a Capital One credit card in June 2022. In his application, Mr P said he was employed with an annual income of £35,000.... (3 pages)View decision -
Decision Reference DRN-5024225
23 Jun 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5024225 The complaint Mr H complains Lloyds Bank PLC (“Lloyds”) didn’t do enough to protect him when he fell victim to a scam. What happened Both parties are familiar with the circumstances of the complaint, so I’ll only summarise the details here. Mr H said he began speaking with... (4 pages)View decision -
Decision Reference DRN-5484708
23 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5484708 The complaint Mr R complains that NewDay Ltd trading as Pulse lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr R applied for a Pulse credit card in October 2018. In his application, Mr R said he was emplo... (3 pages)View decision -
Decision Reference DRN-5521942
23 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5521942 Complaint Mr H has complained about credit cards and the associated credit limit increases which NewDay Ltd (“NewDay”) provided to him. He says the credit cards as well as the limit increases were provided without his circumstances and ability to repay being sufficiently che... (5 pages)View decision -
Decision Reference DRN-5279612
23 Jun 2025 J.P. Morgan Europe Limited Not upheldBanking and PaymentsDRN-5279612 The complaint Mrs B complains that J.P. Morgan Europe Limited, trading as Chase, is refusing to refund all the money she lost as the result of a scam. Mrs B is being represented by a third party. To keep things simple, I will refer to Mrs B throughout my decision. What happe... (4 pages)View decision -
Decision Reference DRN-5512544
23 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5512544 The complaint Mr S complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr S applied for a Vanquis credit card in April 2024. In his application, Mr S said he was retired with... (3 pages)View decision -
Decision Reference DRN-5390832
23 Jun 2025 True Potential Investments LLP Not upheldPensions and AnnuitiesDRN-5390832 The complaint Mr G is unhappy that True Potential Investments LLP (True Potential) has not provided him with enough information about the charges on his self-invested personal pension (SIPP) for him to be confident that these charges are correct. He would like True Potential... (4 pages)View decision -
Decision Reference DRN-5349238
23 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5349238 The complaint Mr W complains about the interest rate NewDay Ltd trading as Aqua charged on his credit card account. What happened In 2021, Mr W took out a credit card with Aqua. He says when he was offered the credit card by a credit intermediary, he acc... (3 pages)View decision
