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
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Decision Reference DRN-6266564
31 Mar 2026 Quai Investment Services Limited UpheldPensions and AnnuitiesDRN-6266564 The complaint Mr C complains that he sought to transfer monies from his existing self-invested personal pension (‘SIPP’) to a new pension provider and Quai Investment Services Limited (‘Quai’) caused delays in that process. Mr C complains he’s suffered a loss as a result of ... (11 pages)View decision -
Decision Reference DRN-6134161
31 Mar 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6134161 The complaint Ms G complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit A... (9 pages)View decision -
Decision Reference DRN-6052012
31 Mar 2026 Shawbrook Bank Limited UpheldConsumer CreditDRN-6052012 The complaint Mr and Mrs A’s 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-6262956
31 Mar 2026 Saxo Capital Markets UK Ltd Not upheldInvestmentsDRN-6262956 The complaint Mr P complains about Saxo Capital Markets UK Ltd and the technical issues he’s encountered on their trading platform. The delays in execution changed his positions from profitable to a significant loss. What happened Mr P held a CFD trading account with Saxo C... (4 pages)View decision -
Decision Reference DRN-6266547
31 Mar 2026 Suffolk Life Pensions Limited UpheldPensions and AnnuitiesDRN-6266547 The complaint Mrs E complains about the transfer of a share of a property holding and cash from her husband’s, the late Mr E’s (simply referred to as Mr E hereafter) Suffolk Life Pensions Limited trading as Curtis Banks (‘SL’) self-invested pension plan (‘SIPP’) to her SIPP.... (8 pages)View decision -
Decision Reference DRN-6217480
31 Mar 2026 Just Financial Planning Ltd Not upheldPensions and AnnuitiesDRN-6217480 The complaint Mr E has complained about the service he has received from Just Financial Planning Ltd (‘JFP’). Mr E has a self-invested personal pension (‘SIPP’) held with James Hay. JFP are Mr E’s financial advisers. Mr E has raised several issues with both James Hay and JF... (6 pages)View decision -
Decision Reference DRN-6154976
31 Mar 2026 Plend Limited UpheldConsumer CreditDRN-6154976 The complaint Plend Limited provided Mr M with a loan for £10,000 in April 2025. Mr M says the loan was provided irresponsibly. Mr M is represented in this complaint by Miss M but, for ease, I’ll refer to Mr M directly throughout my decision. What happened The details of thi... (3 pages)View decision -
Decision Reference DRN-6158829
31 Mar 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-6158829 The complaint Mr and Mrs P complain that Santander UK Plc didn’t do enough to prevent the loss they suffered when they fell victim to an alleged scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide an overview of ... (6 pages)View decision -
Decision Reference DRN-6058102
31 Mar 2026 Starling Bank Limited Not upheldBanking and PaymentsDRN-6058102 The complaint Mr R complains that misinformation provided by Starling Bank Limited (‘Starling’) led to him declining a compensation payment. What happened Mr R had an account with a bank I will refer to as ‘Company A’. He used the Current Account Switch Service (CASS) to mo... (2 pages)View decision -
Decision Reference DRN-6250213
31 Mar 2026 Santander Consumer (UK) Plc Not upheldConsumer CreditDRN-6250213 The complaint Mr O complained that the charges imposed at the end of his car finance agreement with Santander Consumer (UK) Plc (“Santander”) were unfair. He was also unhappy that there was adverse information on his credit record. What happened Mr O acquired a used Land Ro... (5 pages)View decision