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 400695 results
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Decision Reference DRN-5623801
7 Nov 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5623801 The complaint Mr S complains that Santander UK Plc (‘Santander’) won’t refund the money he lost to an investment scam. He’s represented by a firm of solicitors. To keep things simple, I’ll refer to Mr S throughout this decision. What happened The background is known to both ... (3 pages)View decision -
Decision Reference DRN-5593732
7 Nov 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5593732 The complaint Mr B is unhappy Santander UK Plc hasn’t refunded him money, that he believes he has lost to an Authorised Push Payment (“APP”) scam. What happened The background to this complaint is well known to all parties, so I won’t repeat it all in detail here. But in su... (4 pages)View decision -
Decision Reference DRN-5670514
7 Nov 2025 Starling Bank Limited Not upheldBanking and PaymentsDRN-5670514 The complaint Mr H complains that Starling Bank (“Starling”), have failed to refund money that he lost as part of a scam. What happened Mr H met a person online. After a few weeks this person who I will call C persuaded Mr H to invest in a scam crypto trading company. Thes... (3 pages)View decision -
Decision Reference DRN-5862992
7 Nov 2025 Oodle Financial Services Limited UpheldConsumer CreditDRN-5862992 The complaint Mr A complains that a car he acquired with finance from Oodle Financial Services Limited trading as Oodle Car Finance (‘Oodle’) wasn’t of satisfactory quality. Mr A is represented in the complaint, but I’ll refer to everything that’s been said on his behalf as ... (3 pages)View decision -
Decision Reference DRN-5749547
7 Nov 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5749547 The complaint Mr M complains that Lloyds Bank PLC hasn’t reimbursed him after he reported falling victim to an investment scam. What happened The background to this complaint is well-known to all parties, and so I’ll only provide a brief summary of events here. Mr M was in c... (3 pages)View decision -
Decision Reference DRN-5381674
7 Nov 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5381674 The complaint Mrs P complains that Santander UK Plc (‘Santander’), won’t refund the money she lost as a result of what she believes was an ‘Authorised Push Payment’ (‘APP’) property investment scam. Mrs P brings her complaint with the assistance of a professional representa... (5 pages)View decision -
Decision Reference DRN-5819918
7 Nov 2025 Red Sands Insurance Company (Europe) Limited UpheldInsuranceDRN-5819918 The complaint Mr S is unhappy Red Sands Insurance Company (Europe) Limited declined a claim on a motor warranty policy. What happened The details of the complaint are well known to both parties, so I won’t repeat them again here. Instead, I’ll focus on providing my reasons f... (2 pages)View decision -
Decision Reference DRN-5754783
7 Nov 2025 ICM Capital Limited Not upheldInvestmentsDRN-5754783 The complaint Mr A has complained that ICM Capital Limited (‘ICM’) closed his open positions and trading account which he says was due to trading manipulation. He said this wasn’t the first time it had happened. He wants his losses repaid to him. What happened Mr A had been... (4 pages)View decision -
Decision Reference DRN-5760934
7 Nov 2025 Domestic & General Insurance Plc Not upheldInsuranceDRN-5760934 The complaint Mr M has complained that Domestic & General Insurance Plc (D&G) unfairly took payments for his appliance warranty. What happened Mr M had a D&G appliance warranty for his TV. He cancelled the monthly direct debit, but didn’t tell D&G. When D&am... (2 pages)View decision -
Decision Reference DRN-5862342
7 Nov 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5862342 The complaint Ms C is unhappy that Barclays Bank UK PLC trading as Tesco Bank (TB) is charging her interest on a balance transfer that she was expecting to be interest free. When I refer to what Ms C and/or TB have said or did, it should also be taken to include things said... (3 pages)View decision