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-6221615
13 Mar 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-6221615 The complaint Mr H, the director of TG Ltd, complains that Wise Payments Ltd (Wise) failed to prevent his company from falling victim to a purchase scam. The complaint has been brought to the Financial Ombudsman Service by a professional representative, J. What happened The ... (6 pages)View decision -
Decision Reference DRN-6003010
13 Mar 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6003010 The complaint Mr W has complained about how Barclays Bank UK Plc (Barclays) handled a refund claim he made. What happened Mr W used his Barclays debit card to book a hotel stay in February 2025 for £149.00. However, he had to subsequently cancel the booking and when he didn’... (3 pages)View decision -
Decision Reference DRN-6084806
13 Mar 2026 AmTrust Specialty Limited Not upheldInsuranceDRN-6084806 The complaint Mr K complains about AmTrust Speciality Limited (“ASL”) and their failure to assist him in pursuing the owner of the property above to gain access and cooperation to allow for repairs to the joint timbers to be completed. What happened The claim and complaint c... (3 pages)View decision -
Decision Reference DRN-6207287
13 Mar 2026 Bank of Scotland Plc UpheldBanking and PaymentsDRN-6207287 The complaint Mr W complains about the actions of Bank of Scotland plc, trading as Halifax, after he reported that he had been the victim of a scam. What happened The background to this complaint is well-known to both parties, so I’ve only set out a brief summary of some of... (3 pages)View decision -
Decision Reference DRN-6168205
13 Mar 2026 Madison CF UK Limited Not upheldBanking and PaymentsDRN-6168205 The complaint Miss M complains that Madison CF UK Limited trading as 118 118 Money irresponsibly lent to her. What happened Miss M was approved for a 118 118 Money credit card in March 2019, with a £250 credit limit. Miss M says that 118 118 Money irresponsibly lent to her. ... (3 pages)View decision -
Decision Reference DRN-6021071
13 Mar 2026 Legal and General Assurance Society Limited Not upheldInsuranceDRN-6021071 The complaint Mr C is unhappy that Legal and General Assurance Society Limited (‘L&G’) has maintained its decision to decline a claim made under a group income protection insurance policy (‘the policy’). What happened Mr C had the benefit of the policy through the polic... (3 pages)View decision -
Decision Reference DRN-5760450
13 Mar 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-5760450 The complaint Mr K is unhappy Wise Payments Limited (‘Wise’) won’t reimburse him the money he lost when he fell victim to what he believes was an authorised push payment (‘APP’) scam. What happened The details and facts of this complaint are well-known to both parties, so I... (5 pages)View decision -
Decision Reference DRN-5754380
13 Mar 2026 Arval UK Limited UpheldConsumer CreditDRN-5754380 The complaint Mr F complains about a motor hire (lease) agreement he had with Arval UK Limited (Arval). During the term of the hire agreement the car was severely damaged and this resulted in the car being written off. Mr F is unhappy that Arval has sought an additional paym... (3 pages)View decision -
Decision Reference DRN-6199240
13 Mar 2026 Black Horse Limited UpheldConsumer CreditDRN-6199240 The complaint Miss A complains about the quality of a used car she acquired through a hire purchase agreement with Black Horse Limited (Black Horse). Miss A says she has been sold a below expected quality vehicle as the engine has failed. She thinks this was due to a manufac... (4 pages)View decision -
Decision Reference DRN-6176916
13 Mar 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-6176916 The complaint Miss E complains that Santander UK Plc did not reimburse transactions she says she does not recognise. What happened Miss E has raised a number of transactions, over the course of a few months, which she says she does not recognise. Miss E has shared that she w... (3 pages)View decision