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 381082 results
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Decision Reference DRN-5660370
7 Oct 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5660370 The complaint Mrs O has complained that Bank of Scotland plc won’t refund the money she says she lost in a scam. What happened In 2025, Mrs O complained to Bank of Scotland via representatives. She’s explained that in 2021, she saw a social media advert for a cryptocurrency ... (3 pages)View decision -
Decision Reference DRN-5857231
7 Oct 2025 Bapchild Motoring World (Kent) Limited Not upheldConsumer CreditDRN-5857231 The complaint Mr L complains about a credit intermediary, Bapchild Motoring World (Kent) Limited trading as Big Motoring World (“Bapchild”), in relation to an agreement he took out with a third-party lender to acquire a car. What happened Bapchild, a credit intermediary – a... (3 pages)View decision -
Decision Reference DRN-5519292
7 Oct 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5519292 The complaint Mrs Y complains that Barclays Bank PLC (Barclays) has not reimbursed her £624.69 that she paid after falling victim to a scam on 11 June 2024. I was sorry to hear of Mrs Y’s experience and that she has needed to contact us under these circumstances. What happen... (3 pages)View decision -
Decision Reference DRN-5766836
7 Oct 2025 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-5766836 The complaint Mrs B is unhappy that BMW Financial Services (GB) Limited trading as MINI Financial Services (‘BMW’) didn’t treat her fairly when she needed support making payments on her car finance agreement. She is also unhappy it didn’t allow her to transfer the agreement ... (4 pages)View decision -
Decision Reference DRN-5858211
7 Oct 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5858211 The complaint Mr and Mrs W complain Lloyds Bank PLC unfairly closed their current account without their authorisation and without informing them. What happened Mr and Mrs W held a current account with Lloyds. The account had important sentimental value, particularly to Mrs W... (3 pages)View decision -
Decision Reference DRN-5670011
7 Oct 2025 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-5670011 The complaint Mr L has complained about the quality of a car provided on finance by Moneybarn No.1 Limited. What happened Both parties are familiar with the events, so I’ll briefly summarise them here. Moneybarn supplied Mr L with a used car on a conditional sale agreement... (4 pages)View decision -
Decision Reference DRN-5374336
7 Oct 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5374336 The complaint Mr A complains that Santander UK PLC did not reimburse the funds he lost to a scam. What happened Mr A says he fell victim to a cryptocurrency investment scam with a business I will refer to as ‘H’. His representative has highlighted that it is now recognised H... (2 pages)View decision -
Decision Reference DRN-5500705
7 Oct 2025 Lex Autolease Ltd Not upheldConsumer CreditDRN-5500705 The complaint Mr M complains that Lex Autolease Ltd (“Lex”) won’t waive the early termination charges applicable under a hire agreement if he returns the car before the end of the agreement. What happened Both parties are familiar with the background of this complaint so I ... (2 pages)View decision -
Decision Reference DRN-5785820
7 Oct 2025 RCI Financial Services Limited Not upheldConsumer CreditDRN-5785820 The complaint Ms T complains that RCI Financial Services Limited, trading as Nissan Financial Services (“Nissan”) caused unnecessary delays when she asked to voluntarily terminate her credit agreement, and this resulted in additional costs. What happened Ms T took out a hire... (4 pages)View decision -
Decision Reference DRN-5857859
7 Oct 2025 Everyday Lending Limited Not upheldConsumer CreditDRN-5857859 The complaint Everyday Lending Limited trading as Everyday Loans provided Mr A with a £3,100 loan in January 2022. It had a 36-month term and Mr A says the loan was provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’... (2 pages)View decision
