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 369227 results
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Decision Reference DRN-5150318
16 Jun 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5150318 The complaint Miss N complains that HSBC UK Bank Plc (‘HSBC’) won’t refund the money she lost as the result of a scam. What happened In 2022, Miss N was made aware of an investment opportunity with a company I’ll refer to as V. Miss N had to purchase cryptocurrency, which s... (4 pages)View decision -
Decision Reference DRN-5547813
16 Jun 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5547813 The complaint Miss F complains about Santander UK Plc not telling her about the high interest rate on her overdraft facility. Also, not supporting her when she had financial difficulties and taking punitive action, removing the overdraft, when she complained to them. What h... (4 pages)View decision -
Decision Reference DRN-4960991
16 Jun 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4960991 The complaint Mrs S complains that Lloyds Bank PLC (‘Lloyds’) won’t refund the money she lost after falling victim to a scam. What happened In 2023 Mrs S found a car she wanted to buy on a social media marketplace. Mrs S couldn’t view the car in person and arranged for it ... (3 pages)View decision -
Decision Reference DRN-5385655
16 Jun 2025 Manchester Credit Union Limited Not upheldConsumer CreditDRN-5385655 Complaint Miss M has complained about a loan Manchester Credit Union Limited (“MCU”) provided to her. She says that being provided with this consolidation loan freed up other credit that became accessible to her. Background MCU provided Miss M with a loan for £13,938.46 in... (4 pages)View decision -
Decision Reference DRN-5621957
16 Jun 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5621957 Complaint Ms C has complained about the overdraft charges Nationwide Building Society (“Nationwide”) applied to her current account. Ms C is being represented, by the (“representative”), in her complaint. The representative has said the charges applied to Ms C’s account we... (5 pages)View decision -
Decision Reference DRN-5563232
16 Jun 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5563232 Complaint Mr D has complained about a credit card Zopa Bank Limited (“Zopa”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In February 2022, Zopa provided Mr D with a credit card which h... (3 pages)View decision -
Decision Reference DRN-5597374
16 Jun 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5597374 Complaint Mr C complains that Oodle Financial Services Limited (trading as “Oodle” Car Finance) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable and so he shouldn’t have been accepted for it. ... (3 pages)View decision -
Decision Reference DRN-5482215
16 Jun 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5482215 Complaint Mr E complains that Moneybarn No.1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the finance that was unaffordable. Background In August 2018, Moneybarn provided Mr E with finance for a used car. The purchase pri... (3 pages)View decision -
Decision Reference DRN-5614193
16 Jun 2025 CA AUTO FINANCE UK LTD Not upheldConsumer CreditDRN-5614193 Complaint Mrs D complains that CA Auto Finance UK LTD (at the time trading as “Fiat Financial” Services) unfairly entered into a hire-purchase agreement with her. She’s said that she was provided with finance that was unaffordable and this led to ongoing difficulty with othe... (5 pages)View decision -
Decision Reference DRN-5568890
16 Jun 2025 FirstRand Bank Limited Not upheldConsumer CreditDRN-5568890 Complaint Mr P complains that First Rand Bank Limited (trading as “MotoNovo” Finance) unfairly entered into a hire-purchase agreement with him. He’s said the payments to his agreement were unaffordable. Background In April 2019, MotoNovo provided Mr P with finance for a use... (4 pages)View decision
