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 374385 results
-
Decision Reference DRN-5625617
8 Jul 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5625617 The complaint Mr Q complains that HSBC UK Bank Plc blocked a transaction on his account that he had authorised. What happened The circumstances of this complaint are well known to both parties for I won’t repeat all the details here. In summary, Mr Q attempted to make a pa... (3 pages)View decision -
Decision Reference DRN-5352106
8 Jul 2025 Hargreaves Lansdown Asset Management Limited Not upheldPensions and AnnuitiesDRN-5352106 The complaint Mrs R’s complaint against Hargreaves Lansdown Asset Management Limited (HLAM) concerns negative cash balances on her HL SIPP (self invested personal pension) Income Drawdown Account. Mrs R is represented by her husband in bringing this complaint. However, for ... (4 pages)View decision -
Decision Reference DRN-5191700
8 Jul 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5191700 The complaint Mr M is unhappy that Revolut Ltd haven’t refunded money he lost as a result of a scam. Mr M is being represented by a claims management company but, for ease of reading, I’ll only refer to Mr M in the decision. What happened The detailed background to this co... (3 pages)View decision -
Decision Reference DRN-5637435
8 Jul 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5637435 The complaint Miss B says that she has a compulsive spending habit which sometimes causes her to spend in an excessive and harmful way. Miss B complains that this spending pattern ought to have been picked up by Monzo Bank Ltd (“Monzo”) and intervention and support offered a... (4 pages)View decision -
Decision Reference DRN-5673681
8 Jul 2025 First Holiday Finance Ltd Not upheldConsumer CreditDRN-5673681 The complaint Mr and Mrs H’s complaint is, in essence, that First Holiday Finance Ltd (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and ... (16 pages)View decision -
Decision Reference DRN-5520257
8 Jul 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5520257 The complaint Miss S complains that Capital One (Europe) plc irresponsibly lent to her, they defaulted her accounts, and they wouldn’t write off her outstanding balances. Miss S is represented by her mother in bringing this complaint. But for ease of reading, I’ll refer to a... (5 pages)View decision -
Decision Reference DRN-5521635
8 Jul 2025 Ulster Bank Ltd UpheldBanking and PaymentsDRN-5521635 The complaint Miss K complains about the service she received and the exchange rate Ulster Bank (“Ulster”) applied when she received Euros into her GBP sterling account with it. As a result of the rate applied Miss K says she’s suffered a financial loss. What happened Miss K... (5 pages)View decision -
Decision Reference DRN-5659300
8 Jul 2025 Mercedes-Benz Financial Services UK Limited Not upheldConsumer CreditDRN-5659300 The complaint Mr O complains that Mercedes-Benz Financial Services UK Limited (MBFS) ended his hire due to a breach of contract. Mr O feels this was unfair, and says this has caused emotional and financial distress. He would like his finance agreement reinstated along with c... (2 pages)View decision -
Decision Reference DRN-5657145
8 Jul 2025 Octane Ltd Not upheldConsumer CreditDRN-5657145 The complaint Miss C complains that an appointed representative of Octane Ltd (Octane), which brokered a conditional sale agreement she entered into for the supply of a car, misrepresented the structure of the finance to her, particularly in relation to an extended warranty ... (3 pages)View decision -
Decision Reference DRN-5677208
8 Jul 2025 Covea Insurance plc UpheldInsuranceDRN-5677208 The complaint Mr S complains that Covea Insurance plc have voided his policy and declined his claim following a burglary. What happened Mr S took out a contents policy with Covea in March 2020 and renewed it in 2021, 2022 and 2023. On 10 February 2024 Mr S was burgled and h... (5 pages)View decision
