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 381196 results
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Decision Reference DRN-5329996
6 May 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5329996 The complaint Miss L complains that HSBC UK Bank Plc (‘HSBC’) won’t refund the money that she lost after falling victim to a scam. What happened In 2022, Miss L’s partner received an email about an investment opportunity. The opportunity was presented to them by someone I’l... (6 pages)View decision -
Decision Reference DRN-5245121
6 May 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5245121 The complaint Mr Q complains Bank of Scotland plc trading as Halifax (Halifax) unfairly blocked his online banking service. What happened Mr Q says he attempted to make a payment to his mother as he had on many previous occasions, using his online banking app but the payment... (3 pages)View decision -
Decision Reference DRN-5519233
6 May 2025 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-5519233 Complaint Mr P complains that BMW Financial Services (GB) Limited (trading as “Alphera” Financial Services) unfairly entered into an unaffordable hire-purchase agreement with him Background In September 2016, Alphera provided Mr P with finance for a used car. The cash price... (3 pages)View decision -
Decision Reference DRN-5499886
6 May 2025 North Edinburgh and Castle Credit Union Limited Not upheldConsumer CreditDRN-5499886 Complaint Mr M has complained about a loan North Edinburgh and Castle Credit Union Limited trading as Castle Community Bank (“CCB”) provided to him. He says that he had historic issues with debt and sufficient checks would have shown that he wouldn’t be able to make the mont... (3 pages)View decision -
Decision Reference DRN-5509858
6 May 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5509858 Complaint Mrs T complains that Moneybarn No.1 Limited (“Moneybarn”) unfairly entered into conditional sale agreement with her. She’s said that the proper checks weren’t carried out which led to her being provided with finance that was unaffordable and this led to further deb... (5 pages)View decision -
Decision Reference DRN-5518933
6 May 2025 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-5518933 Complaint Mr G complains that BMW Financial Services (GB) Limited (trading as “Alphera” Financial Services) unfairly entered into an unaffordable hire-purchase agreement with him. Background In February 2020, Alphera provided Mr G with finance for a used car. The cash price... (3 pages)View decision -
Decision Reference DRN-5442153
6 May 2025 Close Brothers Limited Not upheldConsumer CreditDRN-5442153 Complaint Mr H complains that Close Brothers Limited (trading as “Close Brothers” Motor Finance) unfairly entered into a conditional sale agreement with him. Mr H has said that he was treated unfairly as he was accepted for finance which had payments he couldn’t afford. Bac... (5 pages)View decision -
Decision Reference DRN-5516464
6 May 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5516464 Complaint Mr C has complained about the overdraft charges National Westminster Bank Public Limited Company (“NatWest”) applied to his account. Mr C is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr C’s ... (6 pages)View decision -
Decision Reference DRN-5492453
6 May 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5492453 Complaint Mr H has complained about the overdraft charges Lloyds Bank PLC (“Lloyds”) applied to his account. Mr H is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr H’s account were unfair as there was a... (6 pages)View decision -
Decision Reference DRN-5508091
6 May 2025 Nationwide Building Society UpheldBanking and PaymentsDRN-5508091 Complaint Miss F has essentially complained that Nationwide Building Society (“Nationwide”) unfairly provided her with an overdraft that was unaffordable. She also says that it continued applying charges to her overdraft even after it should have realised that she couldn’t ... (4 pages)View decision
