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-4798666
27 Mar 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4798666 The complaint Mrs B complains Bank of Scotland plc trading as Halifax won’t reimburse money she lost when she fell victim to an investment scam. What happened In 2022 Mrs B lost over £170,000 to a crypto investment scam. She was tricked into believing she was investing in cr... (3 pages)View decision -
Decision Reference DRN-5245363
27 Mar 2025 J.P. Morgan Europe Limited Not upheldBanking and PaymentsDRN-5245363 The complaint Mrs N complains that J.P. Morgan Europe Limited (trading as Chase) will not refund the money she lost when she was the victim of a scam. What happened Mrs N had previously been the victim of several different scams, these included an investment scam in 2021, a... (4 pages)View decision -
Decision Reference DRN-5431532
27 Mar 2025 Saga Services Limited Not upheldInsuranceDRN-5431532 The complaint Mr and Mrs I complain that they didn’t receive the service they expected from Saga Services Limited (Saga) when they made a claim under their home insurance. The insurance policy is in joint names with Mr and Mrs I as joint policyholders. Although I recognise ... (4 pages)View decision -
Decision Reference DRN-5245390
27 Mar 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5245390 The complaint Mrs N complains that Revolut Ltd will not refund the money she lost when she was the victim of a scam. What happened Mrs N had previously been the victim of several different scams, these included an investment scam in 2021, a recovery scam in 2022, and – in e... (4 pages)View decision -
Decision Reference DRN-5375185
27 Mar 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5375185 The complaint Mr V complains that Revolut Ltd did not refund the money he lost to a scam. What happened Mr V found an advert online for an investment company I’ll refer to as ‘J’, which was being advertised by a well-known celebrity. Mr V began speaking with an account manag... (7 pages)View decision -
Decision Reference DRN-5386398
27 Mar 2025 AmTrust Specialty Limited Not upheldInsuranceDRN-5386398 The complaint Mr W complains AmTrust Speciality Limited unfairly declined his gadget insurance claim. AmTrust’s been represented by agents. For simplicity I’ve referred to the representative’s actions as being AmTrust’s own. What happened Mr W travelled to the UK on a flig... (2 pages)View decision -
Decision Reference DRN-5392743
27 Mar 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5392743 The complaint Mr C has complained that Clydesdale Bank Plc trading as Virgin Money (“Virgin Money”) continued to advertise a fixed term savings account as offering an interest rate of 5.05% per year, even after the 12-month fixed term had started. Mr C says that Virgin Money... (3 pages)View decision -
Decision Reference DRN-5017507
27 Mar 2025 AXA Insurance UK Plc Not upheldInsuranceDRN-5017507 The complaint Mr and Mrs G complain about AXA Insurance Plc’s decision to turn down a subsidence claim made under their buildings insurance policy. What happened Mr and Mrs G hold buildings insurance cover with AXA. They noticed a ‘bulge’ around a tie- bar on their property... (4 pages)View decision -
Decision Reference DRN-5336091
27 Mar 2025 Lloyds Bank PLC Not upheldConsumer CreditDRN-5336091 The complaint Mr B complains that Lloyds Bank PLC irresponsibly lent him a personal loan in March 2024 and that its service has since been poor. What happened In March 2024 Mr B was the victim of an investment scam. He was contacted by someone claiming to be from an investme... (3 pages)View decision -
Decision Reference DRN-5430408
27 Mar 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5430408 The complaint Mr M has complained that Wise Payments Limited (“Wise”) failed to protect him from an impersonation scam and hasn’t refunded the mosey he lost in the scam. What happened I issued my provisional decision earlier this month explaining why I wasn’t intending to ... (4 pages)View decision