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
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Decision Reference DRN-5670846
29 Aug 2025 Trading 212 UK Limited Not upheldBanking and PaymentsDRN-5670846 The complaint Mr S has complained that Trading 212 UK Limited (“Trading 212”) prevented him from transferring an ISA from another provider to it. Mr S says that Trading 212 is responsible for his attempts to transfer his ISA being unsuccessful. Mr S also says that Trading 21... (3 pages)View decision -
Decision Reference DRN-5784762
29 Aug 2025 Fortegra Europe Insurance Company Ltd UpheldInsuranceDRN-5784762 The complaint Miss P complains Fortegra Europe Insurance Company Ltd (“Fortegra”) has unfairly declined her claim for a replacement car under her motor warranty policy whilst hers was being repaired. She says being without a car has caused her financial hardship and distress... (3 pages)View decision -
Decision Reference DRN-5782461
29 Aug 2025 Vodafone Limited UpheldConsumer CreditDRN-5782461 The complaint Mr F complains about the sale of a fixed sum loan agreement taken out with Vodafone Limited. What happened In January 2024, Mr F took out a fixed sum loan agreement with Vodafone to pay for a brand new mobile telephone handset. I’ll call this handset ‘Device On... (4 pages)View decision -
Decision Reference DRN-5592149
29 Aug 2025 OPOS Limited Not upheldConsumer CreditDRN-5592149 The complaint Mr M complains that Opos Limited contacted him about a debt they should have reasonably known was statute barred. What happened Mr M’s complaint centres around a credit card account that was held with a business I’ll refer to as M. The account fell into arrears... (3 pages)View decision -
Decision Reference DRN-5784848
29 Aug 2025 Haven Insurance Company Limited UpheldInsuranceDRN-5784848 The complaint Mr O complains that Haven Insurance Company Limited mishandled his claim on a motor insurance policy. What happened The subject matter of the insurance, the claim and the complaint is a hybrid electric car made by a premium-brand car-maker and first registered... (9 pages)View decision -
Decision Reference DRN-5459577
29 Aug 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5459577 The complaint Mr T complains that a used vehicle he purchased via a conditional sale agreement with Moneybarn No.1 Limited had been misrepresented to him. What happened In January 2021 Mr T arranged to purchase a used vehicle from a dealership via a 48-month conditional sale... (3 pages)View decision -
Decision Reference DRN-5782057
29 Aug 2025 ARAG Legal Expenses Insurance Company Limited UpheldInsuranceDRN-5782057 The complaint Mr M and Ms M complain that ARAG Legal Expenses Insurance Company Limited declined a claim on the tenant default section of their landlord’s insurance policy. What happened Mr M and Ms M are landlords of a property that was let to a tenant. There had been some ... (4 pages)View decision -
Decision Reference DRN-5243408
29 Aug 2025 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5243408 The complaint Mrs K complains that The Royal Bank of Scotland Plc (‘RBS’) hasn’t refunded money she lost when she was the victim of a scam. What happened Mrs K was looking for a part-time job for some additional income to help support her family. She’d registered with a wel... (3 pages)View decision -
Decision Reference DRN-5586312
29 Aug 2025 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-5586312 The complaint Mr T complains that a car acquired under a hire purchase agreement with BMW Financial Services (GB) Limited trading as ALPHERA Financial Services (Alphera) wasn’t of satisfactory quality. What happened The parties are familiar with the background details of thi... (2 pages)View decision -
Decision Reference DRN-5659085
29 Aug 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5659085 The complaint Mr I complains Barclays Bank UK PLC won’t reimburse money he lost when he fell victim to a scam. What happened Mr I paid £10,000 in May 2020 for what he was led to believe was a legitimate investment opportunity. Mr I sent funds to a genuine cryptocurrency exc... (2 pages)View decision