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-5777710
23 Sep 2025 Fairscore Ltd Not upheldConsumer CreditDRN-5777710 The complaint Mr M complains Fairscore Ltd trading as Updraft (Fairscore) didn’t sufficiently check whether he could sustain the repayments before they agreed to lend to him. What happened Around September 2022 Mr M entered into a Fixed Sum loan agreement with Fairscore for ... (4 pages)View decision -
Decision Reference DRN-5705663
23 Sep 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5705663 The complaint Mr T complains that Barclays Bank UK PLC won’t refund money he lost when he was the victim of a crypto investment scam. The details of this complaint are well known to both parties. So, if there’s a submission I’ve not addressed; it isn’t because I’ve ignored t... (6 pages)View decision -
Decision Reference DRN-5822655
23 Sep 2025 RCI Financial Services Limited Not upheldConsumer CreditDRN-5822655 The complaint Mrs J complains that a car that was supplied to her under a hire purchase agreement with RCI Financial Services Limited, trading as Mobilize Financial Services, wasn’t of satisfactory quality and about other issues with the car. Mrs J’s husband is also involved... (4 pages)View decision -
Decision Reference DRN-5615880
23 Sep 2025 Clear Score Technology Limited Not upheldConsumer CreditDRN-5615880 The complaint Mr W is unhappy he was unable to obtain the Annual Percentage Rate (APR), advertised by Clear Score Technology Limited trading as Clear Score, when applying for finance for a car. What happened Mr W used Clear Score to search finance options for a car he wanted... (3 pages)View decision -
Decision Reference DRN-5800854
23 Sep 2025 Exeter Friendly Society Limited UpheldInsuranceDRN-5800854 The complaint Ms A complains Exeter Friendly Society Limited (Exeter) failed to send her welcome documents after she purchased a private medical insurance policy. What happened The circumstances of this complaint will be well known to both parties and so I’ve summarised even... (2 pages)View decision -
Decision Reference DRN-5776773
23 Sep 2025 RCI Financial Services Limited Not upheldConsumer CreditDRN-5776773 The complaint Mrs W complains that a car that was supplied to her under a hire purchase agreement with RCI Financial Services Limited, trading as Nissan Financial Services, wasn’t of satisfactory quality. Mrs W’s husband is also involved in her complaint. What happened A use... (3 pages)View decision -
Decision Reference DRN-5271856
23 Sep 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5271856 Complaint Mr S is unhappy that Barclays Bank UK Plc didn’t reimburse him in full after he reported falling victim to a scam. Background In late 2023, Mr S fell victim to an investment scam. He was contacted on social media by a woman who said she was an investment broker wi... (2 pages)View decision -
Decision Reference DRN-5640109
23 Sep 2025 Skrill Limited Not upheldBanking and PaymentsDRN-5640109 The complaint Ms B complains Skrill Limited unfairly closed her account and is refusing to release her funds. What happened Ms B held a Skrill account which was opened in June 2023. On 16 September 2024 Ms B’s account was restricted so Skrill could conduct a standard Know... (3 pages)View decision -
Decision Reference DRN-5762581
23 Sep 2025 Ascot Lloyd Limited UpheldPensions and AnnuitiesDRN-5762581 The complaint Miss S and Miss S complain that Ascot Lloyd limited trading as Bellpenny (AL), misadvised their late father (Mr S) to purchase an annuity despite his poor health resulting in financial losses on his death. They want compensation for the losses. What happened M... (7 pages)View decision -
Decision Reference DRN-5623441
23 Sep 2025 Everyday Lending Limited UpheldConsumer CreditDRN-5623441 The complaint Mr G has complained that Everyday Lending Limited trading as Everyday Loans unfairly provided him with a loan. What happened On 16 January 2024, Mr G entered into a loan agreement with Everyday Loans as shown below. Mr G told Everyday Loans the loan was for de... (3 pages)View decision
