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 401363 results
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Decision Reference DRN-6171580
17 Mar 2026 Oakbrook Finance Limited Not upheldConsumer CreditDRN-6171580 The complaint OAKBROOK FINANCE LIMITED trading as Finio Loans (‘Oakbrook’) provided Mr J with a loan in October 2025. The loan was for £500 and was due to be repaid in 24 monthly instalments of around £29. Mr J says the credit was provided irresponsibly. What happened The ... (2 pages)View decision -
Decision Reference DRN-6206041
17 Mar 2026 Home Retail Group Card Services Limited Not upheldConsumer CreditDRN-6206041 The complaint Mr A complains that Home Retail Group Card Services Limited trading as Argos Financial Services (Argos) irresponsibly lent to him. What happened Mr A was approved for an Argos card in April 2024, with a £1,200 credit limit. Mr A says that this was irresponsibly... (2 pages)View decision -
Decision Reference DRN-6165397
17 Mar 2026 Nationwide Building Society Not upheldBanking and PaymentsDRN-6165397 The complaint Mr C is unhappy with how Nationwide Building Society (‘Nationwide’) handled a dispute he raised with it following purchases made using his debit card. What happened In October 2025 Mr C paid a total of £940 to a merchant I’ll call ‘F’ for medical treatments. He... (3 pages)View decision -
Decision Reference DRN-6223877
17 Mar 2026 Bank of Scotland Plc UpheldBanking and PaymentsDRN-6223877 The complaint Mr and Mrs S complain that Bank of Scotland plc (‘BoS’) hasn’t reimbursed the money they lost to a scam. What happened Mr and Mr S have explained that they were introduced to a person I’ll refer to as ‘L’ when they needed some work done on their garden. L atten... (3 pages)View decision -
Decision Reference DRN-6197062
17 Mar 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-6197062 The complaint Miss W complains that Vanquis Bank Limited irresponsibly lent to her. What happened Miss W was approved for a Vanquis credit card in September 2018, with a £250 credit limit. The credit limit was increased a further two times, firstly in May 2019 (to £1,000), t... (3 pages)View decision -
Decision Reference DRN-6215358
17 Mar 2026 Santander UK Plc UpheldBanking and PaymentsDRN-6215358 The complaint Mr B complains that Santander UK Plc blocked and then closed his account. He also complains about the level of service he received. What happened Mr B had an account with Santander. To fulfil its regulatory requirements, namely, its Know Your Customer (KYC) obl... (3 pages)View decision -
Decision Reference DRN-6195491
17 Mar 2026 eBay Commerce UK Ltd Not upheldBanking and PaymentsDRN-6195491 The complaint Miss C complains eBay Commerce UK Ltd (Commerce) refunded the buyer of an item she sold and Miss C’s been left with no goods and no money. What happened Miss C sold an item on eBay marketplace (marketplace), and the buyer opened an eBay money back guarantee (... (3 pages)View decision -
Decision Reference DRN-6056076
17 Mar 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldBanking and PaymentsDRN-6056076 The complaint Mr B is unhappy that after providing further evidence, National Westminster Bank Public Limited Company (‘NatWest’) still rejected his claim made under s.75 of the Consumer Credit Act 1974 (CCA). What happened In 2024, Mr B raised a s.75 claim with NatWest. Thi... (3 pages)View decision -
Decision Reference DRN-6168798
17 Mar 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-6168798 The complaint Mr B is unhappy that National Westminster Bank Public Limited Company (‘NatWest’) rejected a claim he made to it under s.75 of the Consumer Credit Act 1974 (CCA). What happened In February 2019, Mr B paid a company I’ll call ‘T’ £6,200 to install spray foam ins... (4 pages)View decision -
Decision Reference DRN-6210359
17 Mar 2026 QIC Europe Ltd Not upheldInsuranceDRN-6210359 The complaint Mr W complains about QIC Europe Limited (“QIC”) and their handling of the claim he made on his home insurance policy, following water ingress to his property. What happened The claim and complaint circumstances are well known to both parties. So, I won’t be lis... (5 pages)View decision