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-5500801
9 Jun 2025 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5500801 Complaint Miss K has complained about a loan Oakbrook Finance Limited (trading as “Likely Loans”) provided to her. She says the loan was unaffordable and so shouldn’t have been provided. Background Likely Loans provided Miss K with a loan for £1,000.00 in May 2022. This loa... (3 pages)View decision -
Decision Reference DRN-5609530
9 Jun 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5609530 The complaint Mr J complains that Revolut Ltd won’t reimburse him after he fell victim to a job scam. Mr J is professionally represented in bringing his complaint, but for ease of reading, I’ll refer to all submissions as being made by Mr J directly. What happened On 19 May ... (11 pages)View decision -
Decision Reference DRN-5558103
9 Jun 2025 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5558103 Complaint Mr A has complained about a loan Oakbrook Finance Limited (trading as “Likely Loans”) provided to him. He says he shouldn’t have been lent to as the loan was unaffordable. Background Likely Loans provided Mr A with a loan for £1,000.00 in November 2021. This loan ... (3 pages)View decision -
Decision Reference DRN-5341375
9 Jun 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5341375 The complaint Mrs B complains HSBC UK Bank Plc, trading as first direct (‘First Direct’), hasn’t reimbursed her following an authorised push payment (‘APP’) investment scam she fell victim to. She says First Direct should reimburse her for the money she lost. In bringing he... (7 pages)View decision -
Decision Reference DRN-5554650
9 Jun 2025 Chetwood Financial Limited Not upheldConsumer CreditDRN-5554650 Complaint Mr T has complained about a personal loan Chetwood Financial Limited (trading as “Better Borrow”) provided to him. He says the loan was unaffordable and shouldn’t have been provided to him. Background Better Borrow provided Mr T with a loan for £5,000.00 in Septem... (3 pages)View decision -
Decision Reference DRN-5557566
9 Jun 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5557566 Complaint Ms B complains that Oodle Financial Services Limited (trading as “Oodle” Car Finance) unfairly entered into a hire-purchase agreement with her. She’s said that it wasn’t thoroughly checked whether she could make the repayments to this agreement and the payments wer... (3 pages)View decision -
Decision Reference DRN-5493753
9 Jun 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5493753 Complaint Mrs K has complained about a credit card Zopa Bank Limited (“Zopa”) provided to her. She says credit card was irresponsibly provided as it was unaffordable for her. Background Zopa provided Mrs K with a credit card with a limit of £1,000.00 in March 2022. The limi... (3 pages)View decision -
Decision Reference DRN-5508695
9 Jun 2025 U K Insurance Limited Not upheldInsuranceDRN-5508695 The complaint Mr O complained that U K Insurance Limited (“UKI”) unfairly declined his claim when torrential rain led to water leakage in the kitchen of his property. Mr O also thought there were unnecessary delays with his claim. What happened Mr O made a claim to UKI when ... (3 pages)View decision -
Decision Reference DRN-5561336
9 Jun 2025 Hiscox Underwriting Limited Not upheldInsuranceDRN-5561336 The complaint Mr and Mrs P think they’ve been treated unfairly by Hiscox Underwriting Limited (“Hiscox”) when taking out a home insurance policy. What happened Mr and Mrs P asked for a home insurance quotation, where cover was provided by Hiscox. Hiscox asked several questio... (2 pages)View decision -
Decision Reference DRN-5401150
9 Jun 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5401150 Complaint Miss H has complained about the overdraft charges Bank of Scotland Plc (trading as “Halifax”) applied to her current account. Miss H is being represented, by the (“representative”), in her complaint. The representative has said the charges applied to Miss H’s acc... (6 pages)View decision
