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 392389 results
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Decision Reference DRN-5730662
4 Aug 2025 MBNA Limited Not upheldBanking and PaymentsDRN-5730662 The complaint Miss H complains that MBNA Limited have irresponsibly lent to her. Miss H is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Miss H herself... (2 pages)View decision -
Decision Reference DRN-5557596
4 Aug 2025 Hampshire Trust Bank Plc Not upheldBanking and PaymentsDRN-5557596 The complaint This complaint is about a commercial mortgage held by a limited company I’ll refer to as W with Hampshire Trust Bank plc (HTB). W has one director, Mr S. There are two broad strands to the complaint; these are: • that HTB failed to follow up on a commitment t... (3 pages)View decision -
Decision Reference DRN-5389161
4 Aug 2025 Arval UK Limited Not upheldConsumer CreditDRN-5389161 The complaint Ms L complains that Arval UK Limited unfairly rejected her application for a car finance agreement. What happened In September 2024 Ms L applied for finance from Arval to acquire a car. Her initial application was rejected which she appealed. While that appeal ... (2 pages)View decision -
Decision Reference DRN-5593630
4 Aug 2025 Bank of Scotland Plc Not upheldMortgagesDRN-5593630 The complaint This complaint’s about a mortgage Miss J holds with Bank of Scotland plc trading as Halifax. The complaint is multi-stranded, the majority of issues relating to how the mortgage and the property purchase it funded were carried out in 2008. There are some more r... (2 pages)View decision -
Decision Reference DRN-5698191
4 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5698191 The complaint Mr W complains that NewDay Ltd didn’t handle his chargeback claims properly, failed to deal with transfers to an account, closed his accounts and recorded a CIFAS marker against him. He also says that he was not treated as he should have been. What happened Mr ... (4 pages)View decision -
Decision Reference DRN-5718840
4 Aug 2025 Santander UK Plc UpheldBanking and PaymentsDRN-5718840 The complaint Miss J complains that Santander UK Plc (Santander) won’t refund the money she lost when she fell victim to a job scam. Miss J is represented in this complaint, but I’ll refer to her as it’s her complaint. What happened The detailed background to this complaint... (9 pages)View decision -
Decision Reference DRN-5718824
4 Aug 2025 Nationwide Building Society UpheldBanking and PaymentsDRN-5718824 The complaint Miss J complains that Nationwide Building Society (Nationwide) won’t refund the money she lost when she fell victim to a job scam. Miss J is represented in this complaint, but I’ll refer to her as it’s her complaint. What happened The detailed background to th... (7 pages)View decision -
Decision Reference DRN-5575780
4 Aug 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5575780 The complaint Mr R, through his representative, complains that Oodle Financial Services Limited (“Oodle”) lent to him by approving a car finance agreement he could not afford. What happened Mr R took a hire purchase agreement from Oodle on 13 February 2020. The capital sum w... (3 pages)View decision -
Decision Reference DRN-5476743
4 Aug 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5476743 The complaint Mr H, through his representative, complains that Oodle Financial Services Limited (“Oodle”) lent to him by approving a car finance agreement he could not afford. What happened Mr H took a hire purchase agreement from Oodle on 12 January 2021. The capital sum ... (3 pages)View decision -
Decision Reference DRN-5162902
4 Aug 2025 ClearBank Limited UpheldBanking and PaymentsDRN-5162902 The complaint C complains that ClearBank Limited won’t reimburse him for payments he made to a scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key events here. On 28 May 2024 ... (4 pages)View decision