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 381195 results
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Decision Reference DRN-5775430
28 Aug 2025 PayPal UK Ltd Not upheldBanking and PaymentsDRN-5775430 The complaint Mr O complaints that PayPal UK Ltd provided him with a line of credit without assessing whether he could afford to repay that credit. What happened Mr O bought a sofa for £3,900 online using his PayPal account. Mr O instructed PayPal to process the payment usin... (3 pages)View decision -
Decision Reference DRN-5685378
28 Aug 2025 Investec Bank PLC Not upheldBanking and PaymentsDRN-5685378 The complaint Mr R complains Investec Bank PLC failed to action his transfer request in a timely manner and it provided him with poor service. What happened Mr R held an Investec savings account. In December 2023 Mr R made a request to obtain some funds from his account. In... (4 pages)View decision -
Decision Reference DRN-5568443
28 Aug 2025 Financial Administration Services Limited Not upheldInvestmentsDRN-5568443 The complaint Mr Y complains that he has faced online error messages whilst trying to take action on his daughters’ Junior ISAs with Financial Administration Services Limited (“Fidelity”). What happened Mr Y is the registered contact for his daughters’ Junior ISAs with Fidel... (3 pages)View decision -
Decision Reference DRN-5192826
28 Aug 2025 ClearBank Limited Not upheldBanking and PaymentsDRN-5192826 The complaint Miss R, a director of S, has brought S's complaint to the Financial Ombudsman with the assistance of a professional representative. However, for ease, I will mostly refer to Miss R throughout my decision. Miss R is unhappy ClearBank Limited won’t refund m... (5 pages)View decision -
Decision Reference DRN-5709973
28 Aug 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5709973 The complaint Miss M complains Revolut Ltd didn’t stop payments she made to third-party companies for gambling, despite having a gambling block on her account. What happened Miss M said she made multiple payments to third-party online gambling companies over a period of 12 m... (5 pages)View decision -
Decision Reference DRN-5781274
28 Aug 2025 American Express Services Europe Limited UpheldBanking and PaymentsDRN-5781274 The complaint Mr C is unhappy that American Express Services Europe Limited (“AmEx”) won’t upgrade his companion voucher and with the information presented by AmEx surrounding that. What happened Mr C held an AmEx credit card account on which he qualified for an airline comp... (4 pages)View decision -
Decision Reference DRN-5743669
28 Aug 2025 Aviva Insurance Limited Not upheldInsuranceDRN-5743669 The complaint Mr P complains about the response of Aviva Insurance Limited (‘Aviva’) to a claim he made under his home emergency insurance policy. Aviva are the underwriters (insurers) of this policy. Much of Mr P’s dissatisfaction concerns the actions of Aviva’s appointed a... (3 pages)View decision -
Decision Reference DRN-5607412
28 Aug 2025 Lloyds Bank General Insurance Limited Not upheldInsuranceDRN-5607412 The complaint Mr K is unhappy with the way Lloyds Bank General Insurance Limited trading as Bank of Scotland (“LBG”) handled his claim and the settlement it offered. What happened The background to this complaint is well-known to both parties, so I’ve summarised what I thin... (4 pages)View decision -
Decision Reference DRN-5704766
28 Aug 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5704766 The complaint Mr K complains that Nationwide Building Society didn’t give him enough information in a text alert about a direct debit payment due and he had to phone up about this. What happened Mr K explains that the text alert only gave initials for the direct debit origin... (2 pages)View decision -
Decision Reference DRN-5780526
28 Aug 2025 Zenauto Limited UpheldConsumer CreditDRN-5780526 The complaint Mrs B complains about the quality of a new car she acquired through a hire agreement with Zenauto Limited (‘Zenauto’). Mrs B says that the car wasn’t of satisfactory quality. Zenauto has now agreed that this is the case, and it has offered to pay compensation. ... (4 pages)View decision
