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-5890783
3 Nov 2025 Everyday Lending Limited Not upheldConsumer CreditDRN-5890783 The complaint Ms M complains about a loan that was made to her by Everyday Lending Limited, trading as Everyday Loans. She complains that she wasn’t made aware of the interest rate, the loan was unaffordable for her, Everyday Loans didn’t take account of her vulnerability an... (3 pages)View decision -
Decision Reference DRN-5918934
3 Nov 2025 Black Horse Limited Not upheldConsumer CreditDRN-5918934 The complaint Mr O complains that a car supplied to him under a hire purchase agreement with Black Horse Limited was of an unsatisfactory quality. What happened In August 2024 Mr O was supplied with a used car through a hire purchase agreement with Black Horse. He paid an ad... (4 pages)View decision -
Decision Reference DRN-5883778
3 Nov 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5883778 The complaint Miss E complained when Bank of Scotland plc trading as Halifax sent statements and other correspondence addressed to her at home after she’d told Halifax repeatedly that her postal arrangements were insecure and she wanted to continue using one of its branches ... (5 pages)View decision -
Decision Reference DRN-5922794
3 Nov 2025 AXA Insurance UK Plc Not upheldInsuranceDRN-5922794 The complaint S has complained that AXA Insurance UK Plc has declined a claim for loss of rent. What happened The background to this complaint is well known to the parties so it serves no purpose for me to repeat all the details here. In summary, in July 2023 there was a fir... (3 pages)View decision -
Decision Reference DRN-5745896
3 Nov 2025 Fairmead Insurance Limited UpheldInsuranceDRN-5745896 The complaint Mr C and Ms P are unhappy with the continued poor service and handling of their claim by FAIRMEAD INSURANCE LIMITED (“Fairmead”) under their home insurance policy. What happened Mr C and Ms P made a claim for significant damage to their property. Unfortunately,... (3 pages)View decision -
Decision Reference DRN-5631772
3 Nov 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5631772 The complaint Mr N is unhappy that Wise Payments Limited will not refund the money he lost as the result of an authorised push payment (APP) scam. What happened As both parties are familiar with the details of the scam, I will not repeat them in full here. Mr N fell victim t... (3 pages)View decision -
Decision Reference DRN-5851943
3 Nov 2025 ADVISER BUSINESS SOLUTIONS LIMITED UpheldInvestmentsDRN-5851943 The complaint Mr L’s complaint against Adviser Business Solutions Limited (“ABS”) is about a series of investments he was advised to make between 2011 and 2014. What happened On the advice of ABS, Mr L made the following investments, which are the subject of this complaint: ... (8 pages)View decision -
Decision Reference DRN-5924295
3 Nov 2025 Yorkshire Building Society Not upheldBanking and PaymentsDRN-5924295 The complaint Mr E complains that Yorkshire Building Society (“YBS”) closed his savings accounts without giving proper notice or providing with him reasons for its actions. He complains too that the society declined his application for a £250,000 remortgage of his and his pa... (2 pages)View decision -
Decision Reference DRN-5256925
3 Nov 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5256925 The complaint Mr S complains that Bank of Scotland plc (trading as Halifax) has failed to refund money he lost as part of a property investment scam. What happened Mr S has explained that he wanted to buy a property overseas. He found an online listing and he was satisfied t... (3 pages)View decision -
Decision Reference DRN-5833711
3 Nov 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5833711 The complaint The estate of Mr T, represented by Mrs T, complains about how Barclays Bank UK PLC trading as Barclaycard (“Barclays”) managed the account after it was informed of Mr T’s passing. What happened The late Mr T held a credit card with Barclays, which was paid in ... (3 pages)View decision