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 401363 results
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Decision Reference DRN-5766871
4 Nov 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5766871 The complaint Miss B complains that NewDay Ltd lent to her irresponsibly and increased the interest rate on her account unfairly. What happened On 16 September 2021, Miss B applied for and received a credit card with NewDay. She was given an initial credit limit of £1,200 wh... (6 pages)View decision -
Decision Reference DRN-5917829
4 Nov 2025 Ageas Insurance Limited UpheldInsuranceDRN-5917829 The complaint Mr S complains Ageas Insurance Limited trading as ageas hasn’t handled a claim against his motor insurance policy fairly. References to ageas include the actions of its agents. What happened The details of this complaint are well-known to both parties, so I wo... (2 pages)View decision -
Decision Reference DRN-5761167
4 Nov 2025 RAC Insurance Limited Not upheldInsuranceDRN-5761167 The complaint Ms B complains RAC Insurance Limited (RAC) provided a poor level of service when she made a claim on her roadside assistance policy whilst travelling in Europe. RAC are the underwriters of this policy i.e. the insurer. Part of this complaint concerns the actio... (3 pages)View decision -
Decision Reference DRN-5923432
4 Nov 2025 UK Mortgage Lending Ltd UpheldMortgagesDRN-5923432 The complaint Mr D complained that UK Mortgage Lending Ltd trading as Pepper Money (“Pepper”) told him his ERC would reduce in a few months’ time. He delayed redeeming the mortgage, but then found there was no reduction, so he could have avoided some monthly payments. What h... (3 pages)View decision -
Decision Reference DRN-5861439
4 Nov 2025 INTACT INSURANCE UK LIMITED Not upheldInsuranceDRN-5861439 The complaint Mr R complains that INTACT INSURANCE UK LIMITED has unfairly declined a claim under his legal expenses insurance (“LEI”) policy. Where I refer to Intact, this includes the actions of its agents and claims handlers for which it takes responsibility. What happe... (3 pages)View decision -
Decision Reference DRN-5918843
4 Nov 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5918843 The complaint Mr L, who is represented, complains that Santander UK Plc won’t reimburse him funds he says he lost to fraud. What happened As the circumstances of this complaint are well-known to both parties, I have summarised them briefly below. In or around October 2018, M... (3 pages)View decision -
Decision Reference DRN-5919521
4 Nov 2025 Go Car Credit Limited Not upheldConsumer CreditDRN-5919521 Complaint Mr A complains that Go Car Credit Limited (“Go Car Credit”) unfairly entered into a hire- purchase agreement with him. He’s said the payments to this agreement were unaffordable and so he shouldn’t have been accepted for it. Background In April 2024, Go Car Credit... (7 pages)View decision -
Decision Reference DRN-5924707
4 Nov 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5924707 Complaint Miss I and Mr M have complained about the overdraft charges Lloyds Bank PLC (“Lloyds”) applied to their current account. They’ve effectively said that they shouldn’t have been provided with an overdraft and therefore the charges applied to their account were unfair... (6 pages)View decision -
Decision Reference DRN-5924702
4 Nov 2025 Nationwide Building Society UpheldBanking and PaymentsDRN-5924702 The complaint Mr B complains that Nationwide Building Society didn’t do enough to prevent the loss he suffered when he was the victim of a ‘safe account’ scam. Mr B has used a representative to bring his complaint. But, for ease of reading, I’ll mostly just refer to Mr B wh... (3 pages)View decision -
Decision Reference DRN-5819851
4 Nov 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5819851 The complaint Miss V complains that Lloyds Bank PLC (‘Lloyds’) won’t refund the money she says was lost as the result of a scam. What happened In 2023, Miss V was contacted via social media by an individual I’ll refer to as M. M represented himself as a film producer with s... (4 pages)View decision