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 383377 results
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Decision Reference DRN-5466188
8 Apr 2025 United Trust Bank Limited UpheldMortgagesDRN-5466188 The complaint This complaint is about a secured bridging loan Mrs and Mr L held until recently with United Trust Bank Limited (UTB). In essence, there are two broad strands to the complaint; these are: that the bridging loan was misrepresented as being unregulated when it... (9 pages)View decision -
Decision Reference DRN-4879827
8 Apr 2025 MBNA Limited Not upheldBanking and PaymentsDRN-4879827 The complaint Mr A complains that MBNA Limited won’t reimburse him funds he paid to a company he says has defrauded him. What happened As the circumstances of this complaint are well-known to both parties, I’ll summarise them briefly below. On 13 July 2023, Mr A made a payme... (3 pages)View decision -
Decision Reference DRN-5425326
8 Apr 2025 Saveable Limited Not upheldBanking and PaymentsDRN-5425326 The complaint Mr G complains that Saveable Limited trading as Plum (“Plum”) misinformed him about the rate of interest payable on his ISA and continue to display the incorrect rate of interest in its app. This has resulted in ongoing confusion and concern and significant in... (3 pages)View decision -
Decision Reference DRN-5203678
8 Apr 2025 Hyundai Capital UK Limited Not upheldConsumer CreditDRN-5203678 The complaint Mr M complains that Hyundai Capital UK Limited trading as Kia Motors Finance (‘HCUK’) supplied him with a car that was below the agreed expectations. Mr M believes the car’s range was misrepresented and is seeking to end his agreement. What happened Mr M enter... (4 pages)View decision -
Decision Reference DRN-5415771
8 Apr 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5415771 The complaint Mr G is unhappy that Santander UK Plc have used a refund balance paid to his credit card to reduce his level of debt on that credit card and won’t release the refund balance to his current account. What happened On 7 February 2023, Mr G bought a laptop for £679... (2 pages)View decision -
Decision Reference DRN-4991151
8 Apr 2025 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-4991151 The complaint Mr L complains American Express Services Europe Limited (AESEL) should have done more to help him get a refund for flights he believes were misdescribed. What happened The facts of the case are well known to both parties, so I won’t repeat them in detail here.... (5 pages)View decision -
Decision Reference DRN-5455470
8 Apr 2025 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-5455470 The complaint Mr W’s complaint is about the handling of a claim under his legal expenses insurance policy with Admiral Insurance (Gibraltar) Limited. Admiral is the underwriter of this policy, i.e. the insurer. Part of this complaint concerns the actions of the agents it us... (6 pages)View decision -
Decision Reference DRN-4951333
8 Apr 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4951333 The complaint Mr D complains that Bank of Scotland plc trading as Halifax didn’t do enough to protect him when he made two payments to a property investment opportunity that he now considers was a scam. What happened Mr D made two payments in June 2019 from his Halifax accou... (3 pages)View decision -
Decision Reference DRN-5244061
8 Apr 2025 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-5244061 The complaint Mr R complains about the quality of a car he has been financing through an agreement with Moneybarn No. 1 Limited trading as Moneybarn. What happened Mr R took receipt of a used car in November 2023. He financed the deal through a conditional sale agreement wit... (3 pages)View decision -
Decision Reference DRN-5396080
8 Apr 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5396080 The complaint Mr J complains that Barclays Bank UK PLC trading as Barclaycard lent to him irresponsibly. He initially complained only about Cards 3 and 4 in the table below, but has since broadened the complaint to include Cards 1 and 2. For the ease of understanding, I’ve w... (6 pages)View decision
