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 374385 results
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Decision Reference DRN-5746424
11 Aug 2025 Charteris Treasury Portfolio Managers Limited UpheldPensions and AnnuitiesDRN-5746424 The complaint Mrs W is unhappy, in summary, that Charteris Treasury Portfolio Managers Ltd (‘Charteris’) still charged her fees, despite her having removed its discretionary management permissions in respect of her Self-Invested Personal Pension (‘SIPP’). What happened I�... (5 pages)View decision -
Decision Reference DRN-5746397
11 Aug 2025 Wise Payments Limited UpheldBanking and PaymentsDRN-5746397 The complaint Mrs J is complaining that Wise Payments Limited won’t refund some of the payments she made to a scam. The complaint is brought on Mrs J’s behalf by a representative. What happened The detailed background to this complaint is well known to both parties and has... (4 pages)View decision -
Decision Reference DRN-5640357
11 Aug 2025 Home Retail Group Card Services Limited Not upheldConsumer CreditDRN-5640357 The complaint Mr O complains that Home Retail Group Card Services Limited trading as Argos Financial Services (“HRG”) handled his claim. What happened In August 202 Mr O bought three items from Argos which he paid for with his HRG credit card account. The three items were a ... (2 pages)View decision -
Decision Reference DRN-5413096
11 Aug 2025 Hiscox Underwriting Limited Not upheldInsuranceDRN-5413096 The complaint Miss L complains about Hiscox Underwriting Limited’s response to her business insurance claim. Hiscox’s been represented for the claim. For simplicity I’ve generally referred to the representative’s actions as being Hiscox’s own. What happened In May 2024 Mis... (3 pages)View decision -
Decision Reference DRN-5385473
11 Aug 2025 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-5385473 The complaint Mr F has complained that a car he acquired using a hire purchase agreement with BMW Financial Services (GB) Limited trading as Alphera Financial Services (‘Alphera’) was misrepresented to him, as he was not told it had been salvaged before he acquired it. What ... (3 pages)View decision -
Decision Reference DRN-5564729
11 Aug 2025 Specialist Lending Limited UpheldBanking and PaymentsDRN-5564729 The complaint Mr E has complained that Specialist Lending Limited, trading as Duologi “SLL” rejected his claim against it under Section 75 of the Consumer Credit Act 1974 (The Act). What happened Mr E bought a solar panel system, a battery and an inverter (the system) for h... (5 pages)View decision -
Decision Reference DRN-5300805
11 Aug 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5300805 The complaint Mr C complains that Revolut Ltd hasn’t protected him 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, Mr C has explained that in February 2024 he mad... (2 pages)View decision -
Decision Reference DRN-5690832
11 Aug 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5690832 The complaint Mr F complains Lloyds Bank plc (Lloyds) failed to carry out sufficient financial checks before it approved a credit card account for him. What happened Mr F says Lloyds approved a credit card account for him in September 2021, at a time when he had sizeable ext... (3 pages)View decision -
Decision Reference DRN-5710731
11 Aug 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5710731 The complaint Mr and Mr T complain that HSBC UK Bank Plc didn’t do enough to protect them when they made a payment to a property investment opportunity that they now consider was a scam. What happened Mr and Mr T made one payment from their HSBC account towards a property de... (3 pages)View decision -
Decision Reference DRN-5720732
11 Aug 2025 Xbridge Limited Not upheldInsuranceDRN-5720732 The complaint Mr M and Mr Y have complained about the way Xbridge Limited trading as Simply Business dealt with the renewal of their residential landlord insurance policy. Although the complaint is in joint names, Mr Y has mostly dealt with it. So for ease, I’ll mainly refe... (2 pages)View decision
