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 392389 results
-
Decision Reference DRN-5693039
17 Sep 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5693039 The complaint Miss D argues Bank of Scotland plc trading as Halifax acted unfairly in relation to an overdraft it gave her. What happened In August 2018 Halifax agreed a £200 overdraft on Miss D’s current account. Miss D has said that she couldn’t afford to repay the overdra... (5 pages)View decision -
Decision Reference DRN-5692602
17 Sep 2025 Cumberland Building Society UpheldMortgagesDRN-5692602 The complaint K, a limited company, has complained about how its application for mortgage lending to Cumberland Building Society was handled and the delays in the process. What happened K had arranged finance to build two residential properties, which it intended to be used ... (4 pages)View decision -
Decision Reference DRN-5780023
17 Sep 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5780023 The complaint R is a limited company that complains about Clydesdale Bank Plc trading as Virgin Money (VM) in that they were unable to access their online and mobile banking, missed out on credit interest, and suffered communication issues. What happened What happened in th... (3 pages)View decision -
Decision Reference DRN-5751672
17 Sep 2025 Santander Consumer (UK) Plc Not upheldConsumer CreditDRN-5751672 The complaint Mr J complains that Santander Consumer (UK) Plc (Santander) is unfairly pursuing him for an outstanding debt in relation to a vehicle that was acquired through a conditional sale agreement with them. Mr J is also unhappy that his credit file has been affected. ... (3 pages)View decision -
Decision Reference DRN-5785741
17 Sep 2025 Quilter Life & Pensions Limited UpheldInvestmentsDRN-5785741 The complaint Ms C complains of stress she experienced due to a glitch on Quilter Life & Pensions Limited’s (‘Quilter’) system that resulted in the removal of her investment from the account. What happened The detailed background to this complaint is well known to both ... (3 pages)View decision -
Decision Reference DRN-5497214
17 Sep 2025 J D Williams & Company Limited Not upheldConsumer CreditDRN-5497214 The complaint Mr S complains about the way J D Williams & Company Limited (‘JDW’) handled his application for a credit account. What happened The background to this complaint is well known by both parties so I’ll only summarise them here. In November 2024, Mr S applied ... (2 pages)View decision -
Decision Reference DRN-5820895
17 Sep 2025 Blue Motor Finance Ltd UpheldConsumer CreditDRN-5820895 The complaint Miss O complains Blue Motor Finance Ltd (“BMF”) treated her unfairly when selling a car she acquired under a hire purchase agreement. What happened In 2020, Miss O made a previous complaint to our service about her hire purchase agreement as she didn’t feel she... (7 pages)View decision -
Decision Reference DRN-5822260
17 Sep 2025 CA AUTO FINANCE UK LTD UpheldConsumer CreditDRN-5822260 The complaint Miss A complains about the quality of a vehicle she acquired through a hire purchase agreement financed by CA Auto Finance UK Ltd trading as CA Auto Finance UK (CA). What happened In May 2024 Miss A acquired a used car through a hire purchase agreement. The ca... (3 pages)View decision -
Decision Reference DRN-5816550
17 Sep 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5816550 The complaint Mr F complains that Bank of Scotland plc trading as Halifax reduced the limit on his credit card unfairly. What happened Mr F has had a credit card with Halifax for several years. He says he has the card as it allows him to make transactions abroad without incu... (3 pages)View decision -
Decision Reference DRN-5254169
17 Sep 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5254169 The complaint Mrs C complains that Santander UK Plc (‘Santander’) won’t refund the money she paid a rogue builder. What happened In October 2023, Mrs C was looking for a tradesperson to repair a leak in her roof. She used an online website and found a company I’ll refer to ... (4 pages)View decision