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 401363 results
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Decision Reference DRN-5829192
11 Dec 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5829192 The complaint Mrs S complains that HSBC UK Bank Plc (“HSBC”) hasn’t protected her from losing money to a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat everything here. In brief summary, Mrs S has explained that between... (3 pages)View decision -
Decision Reference DRN-5481306
11 Dec 2025 Paynetics UK Limited Not upheldBanking and PaymentsDRN-5481306 THE COMPLAINT Mr C complains that Paynetics UK Limited (hereinafter “Trading 212”) will not reimburse him money he says he lost when he fell victim to a fraud. WHAT HAPPENED The circumstances of this complaint are well known to all parties concerned, so I will not repeat th... (2 pages)View decision -
Decision Reference DRN-5987875
11 Dec 2025 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-5987875 The complaint Mr P complains about the quality of a vehicle that was supplied through a motor finance agreement with Blue Motor Finance Ltd (BMF). What happened In August 2024, Mr P acquired a used car through a hire purchase agreement with BMF. The car was around eight year... (4 pages)View decision -
Decision Reference DRN-6007786
11 Dec 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-6007786 The complaint Mr P says Revolut Ltd (“Revolut”) failed to protect him from financial harm when he fell victim to a scam. What happened The facts of this complaint are well-known to both parties, so I see no reason to repeat them in detail here. In short, Mr P says he has bee... (2 pages)View decision -
Decision Reference DRN-5680648
11 Dec 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5680648 The complaint Mr J complains that NewDay irresponsibly provided him with two credit cards and increased the limit on one of the cards. What happened The background is well-known to the parties, so I’ve set out a summary of what I think are the key events. NewDay provided M... (9 pages)View decision -
Decision Reference DRN-5672417
11 Dec 2025 EE Limited Not upheldConsumer CreditDRN-5672417 The complaint Mr M has complained that EE Limited is holding him liable for a credit agreement that was taken out to buy a device. What happened The circumstances of the complaint are well known to the parties so I won’t go over everything again in detail. But, to summarise... (3 pages)View decision -
Decision Reference DRN-6014399
11 Dec 2025 Starling Bank Limited UpheldBanking and PaymentsDRN-6014399 The complaint A company, which I’ll refer to as F, complain that Starling Bank Limited won’t refund the money they say they lost to a scam. Mr D, who is the director of F, brings this complaint on F’s behalf. What happened Mr D was told about an investment opportunity with a... (6 pages)View decision -
Decision Reference DRN-5912047
11 Dec 2025 Carmoola Limited UpheldConsumer CreditDRN-5912047 The complaint Mr H is unhappy that a car supplied to him under a hire purchase agreement with Carmoola Limited was of an unsatisfactory quality. What happened In April 2023, Mr H was supplied with a used electric car through a hire purchase agreement with Carmoola. he paid ... (3 pages)View decision -
Decision Reference DRN-6014079
11 Dec 2025 Ageas Insurance Limited UpheldInsuranceDRN-6014079 The complaint Mrs M and Mr S complain that Ageas Insurance Limited has treated them unfairly with the offer made to settle a claim on their motor insurance policy. Mrs M and Mr S, feel the offer made for the value of their vehicle after it was declared a total loss is too lo... (5 pages)View decision -
Decision Reference DRN-5842072
11 Dec 2025 J.P. Morgan Europe Limited Not upheldBanking and PaymentsDRN-5842072 The complaint Mr K says J.P. Morgan Europe Limited, trading as “Chase”, refuses to refund him for unauthorised transactions on his account. What happened The facts of this complaint are well-known to both parties, so I see no reason to repeat them in detail here. In short, M... (2 pages)View decision