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 386796 results
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Decision Reference DRN-5819903
22 Dec 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5819903 The complaint Mr M brings a complaint on behalf of a limited company, M, that he is the director of. M complains that Barclays Bank UK PLC did not reimburse all of the funds it lost to a scam. What happened Mr M found an invest opportunity in cryptocurrency. He began speakin... (2 pages)View decision -
Decision Reference DRN-5709330
22 Dec 2025 Gain Credit LLC Not upheldConsumer CreditDRN-5709330 The complaint Mr R complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) irresponsibly provided him with a loan. What happened In May 2024 Mr R applied for a loan with Lending Stream. The application was approved, and he was provided with a loan for £25... (3 pages)View decision -
Decision Reference DRN-6005765
22 Dec 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6005765 The complaint Miss M complains about the way in which Barclays Bank UK PLC handled a fraud claim and about its decision to close her account. What happened On 1 October 2025 Barclays agreed to accept in full a fraud claim which Miss M had made. The total claim was for more t... (2 pages)View decision -
Decision Reference DRN-6000383
22 Dec 2025 Metro Bank PLC Not upheldBanking and PaymentsDRN-6000383 The complaint Mr S complains that Metro Bank PLC (Metro Bank, hereinafter) hasn’t refunded the losses he’s incurred when falling victim to an investment scam. What happened Mr S was introduced to the investment scam through a social media messaging group in June 2024. Mr S ... (5 pages)View decision -
Decision Reference DRN-5578373
22 Dec 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5578373 The complaint Mr H complains that Lloyds Bank PLC did not reimburse the funds he says he lost to a scam. What happened Mr H came across an investment opportunity in a company I’ll call ‘HS’ for the purpose of this decision. HS had several different building projects they wer... (3 pages)View decision -
Decision Reference DRN-6039314
22 Dec 2025 Together Personal Finance Limited Not upheldMortgagesDRN-6039314 The complaint Mr L and Miss P complain that Together Personal Finance Limited didn’t allow them to switch their mortgage from capital repayment to interest only terms. They ask that Together pays them the difference between the cost of an interest only mortgage and what they... (3 pages)View decision -
Decision Reference DRN-5938455
22 Dec 2025 Black Horse Limited UpheldConsumer CreditDRN-5938455 The complaint Mrs M is unhappy that a motorhome supplied to her under a hire purchase agreement with Black Horse Limited was of an unsatisfactory quality. What happened In April 2022, Mrs M was supplied with a new motorhome through a hire purchase agreement with Black Horse... (4 pages)View decision -
Decision Reference DRN-6039467
22 Dec 2025 BMW Financial Services (GB) Limited UpheldConsumer CreditDRN-6039467 The complaint Mr A is unhappy that a car supplied to him under a hire purchase agreement with BMW Financial Services (GB) Limited trading as ALPHERA Financial Services (BMWFS) was of an unsatisfactory quality. When I refer to what Mr A or BMWFS have said or done, it should ... (6 pages)View decision -
Decision Reference DRN-5966038
22 Dec 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5966038 The complaint Ms W, on behalf of her business A, complains that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY (“NatWest”) did not recover or reimburse the funds she lost to a scam. What happened On 5 October 2021 Ms W sent £5,000 to a company I will refer to as X from A’s... (3 pages)View decision -
Decision Reference DRN-5914458
22 Dec 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5914458 The complaint Mrs G complains about the actions of Santander Uk Plc when she lost money to a scam. Mrs G is being represented by a legal representative but for ease I’ll only refer to Mrs G. What happened The detailed background to this complaint is well known to both part... (3 pages)View decision
