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 380824 results
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Decision Reference DRN-5854613
2 Oct 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5854613 Complaint Miss C has complained about the overdraft charges Santander UK Plc (“Santander”) applied to her current account. She’s effectively said the charges applied to her account were unfair as she shouldn’t have been given the overdraft and this caused ongoing financial d... (8 pages)View decision -
Decision Reference DRN-5590036
2 Oct 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5590036 Complaint Mr K has complained about the overdraft charges National Westminster Bank Public Limited Company (“NatWest”) applied to his account. Mr K is being represented, by the (“representative”), in his complaint. Background Mr K successfully applied for an overdraft with... (5 pages)View decision -
Decision Reference DRN-5613397
2 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5613397 Complaint Mrs B has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that all of this credit was unaffordable and caused her continued financial difficulty as the repayments r... (5 pages)View decision -
Decision Reference DRN-5771732
2 Oct 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5771732 Complaint Ms F has complained about the overdraft charges Bank of Scotland Plc (trading as “Halifax”) applied to her current account. Ms F is being represented, by the (“representative”), in her complaint. The representative has said the charges applied to Ms F’s account w... (5 pages)View decision -
Decision Reference DRN-5782460
2 Oct 2025 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-5782460 Complaint Miss L complains that Moneybarn No.1 Limited (trading as “Moneybarn”) unfairly entered into conditional sale agreement with her. She’s said that the proper checks weren’t carried out which led to her being provided with finance that was unaffordable and this led to... (5 pages)View decision -
Decision Reference DRN-5854596
1 Oct 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5854596 The complaint Mr W has complained that Lloyds Bank PLC won’t refund the money he says he lost in a scam. What happened In 2024, Mr W complained to Lloyds via representatives. He said that over the course of early 2021 to early 2022, his payments to his cryptocurrency wallets... (5 pages)View decision -
Decision Reference DRN-5702156
1 Oct 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5702156 The complaint Mr C has complained that Nationwide Building Society won’t refund the money he lost after falling victim to a scam. What happened In summary, Mr C saw on advert on social media for a cryptocurrency investment scheme guaranteeing quick profit, which turned out t... (3 pages)View decision -
Decision Reference DRN-5853868
1 Oct 2025 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-5853868 The complaint Mr C complains that BMW Financial Services (GB) Limited (which I’ll refer to as “Alphera”) supplied him with a car which was not of satisfactory quality. He does not believe that its proposed resolution is sufficient to put things right. What happened In Septem... (3 pages)View decision -
Decision Reference DRN-5833276
1 Oct 2025 Oodle Financial Services Limited UpheldConsumer CreditDRN-5833276 The complaint Mr M complains about the quality of a car that was supplied through a hire purchase agreement with Oodle Financial Services Limited trading as Oodle Car Finance (Oodle). Mr M is also not happy that he wasn’t told about the issues before entering into the agreem... (4 pages)View decision -
Decision Reference DRN-5851014
1 Oct 2025 Equifax Limited UpheldConsumer CreditDRN-5851014 The complaint Mr H complains that Equifax Limited (Equifax) have failed to engage and support him, when dealing with queries about his business to business (B2B) credit score. What happened I set out the background to this complaint and my initial findings in my provisional ... (10 pages)View decision
