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 381196 results
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Decision Reference DRN-5841503
26 Sep 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5841503 The complaint Mr R complains that Nationwide Building Society didn’t do enough to safeguard his money. He wants the money he lost refunded along with interest and £300 compensation. Mr R is represented by a third party but for ease of reference I have referred to Mr R throug... (4 pages)View decision -
Decision Reference DRN-5807655
26 Sep 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5807655 The complaint Mr I has complained that Revolut Ltd won’t refund money he says he lost to a scam. What happened Mr I has said he was cold called and offered an investment opportunity in cryptocurrency. He says the scammer told him to open a cryptocurrency wallet with a crypt... (2 pages)View decision -
Decision Reference DRN-5707384
26 Sep 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldBanking and PaymentsDRN-5707384 The complaint Mrs I complains that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY charged her interest and charges for the use of the overdraft of her NatWest current account. What happened Mrs I has held a NatWest current account with an overdraft facility for a number of... (4 pages)View decision -
Decision Reference DRN-5832610
26 Sep 2025 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5832610 The complaint Mr B is complaining that The Royal Bank of Scotland Plc (RBS) didn’t do enough to prevent him from making a payment to an investment which he now believes to be a scam. The complaint is brought on his behalf by a professional representative but I’ll mainly refe... (3 pages)View decision -
Decision Reference DRN-5622705
26 Sep 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5622705 The complaint Miss T complains that Moneybarn No. 1 Ltd unfairly entered into a conditional sale agreement with her. Miss T is supported in bringing this matter by a representative. But, for ease, I’ll refer to actions and submissions as being those of Miss T herself. What... (3 pages)View decision -
Decision Reference DRN-5507160
26 Sep 2025 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5507160 The complaint Mr S complains Clydesdale Financial Services Limited trading as Barclays Partner Finance (BPF) unfairly declined his application for credit and did not explain its decision sufficiently. What happened In October 2024, Mr S applied for a two-year interest-free l... (2 pages)View decision -
Decision Reference DRN-5810127
26 Sep 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5810127 The complaint Mr S has complained that Bank of Scotland plc trading as Halifax won’t refund money he says he has lost to scam. What happened The details of the complaint are well known to both parties, so I will not repeat them again here. Instead, I will focus on giving th... (3 pages)View decision -
Decision Reference DRN-5556045
26 Sep 2025 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-5556045 The complaint Mr W complains about the way Shop Direct Finance Company Limited trading as Very (‘Shop Direct’) dealt with his request to have a reduced payment plan. What happened The background to this complaint is well known to both parties so I’ll only summarise it here. ... (2 pages)View decision -
Decision Reference DRN-5351878
26 Sep 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5351878 The complaint Mr S complains Lloyds Bank PLC (“Lloyds”) didn’t do enough to protect him when he fell victim to a scam. What happened The circumstances are well known by both parties, so I haven’t summarised everything here. Mr S says he runs a football team based overseas.... (3 pages)View decision -
Decision Reference DRN-5609053
26 Sep 2025 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-5609053 The complaint Mr C complains that somebody opened an account in his name and accrued a debt. The account was with Creation Consumer Finance Ltd (Creation). He’d like Creation to stop pursuing him for the debt, close the account and remove it from his credit file. And remove ... (3 pages)View decision
