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 380712 results
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Decision Reference DRN-5851415
29 Oct 2025 American Express Services Europe Limited UpheldBanking and PaymentsDRN-5851415 The complaint Mr P complains American Express Services Europe Limited (‘Amex’) unfairly reduced his credit card limit which caused him financial difficulty. He complains Amex haven’t supported him. Mr P wants a full review, for Amex to adjust how they operate, and for Amex ... (4 pages)View decision -
Decision Reference DRN-5717012
29 Oct 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5717012 The complaint Miss K complains that Lloyds Bank PLC won’t refund the full amount of money she says she lost to a scam. What happened The background to this complaint is well-known to both parties, so I won’t repeat it in detail here. But in summary and based on the submissio... (2 pages)View decision -
Decision Reference DRN-5488405
29 Oct 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5488405 The complaint Miss E complains Revolut Ltd (“Revolut”) won’t refund the money she lost to an investment scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key events here: In Nove... (5 pages)View decision -
Decision Reference DRN-5683882
29 Oct 2025 Gain Credit LLC Not upheldConsumer CreditDRN-5683882 The complaint Mr T complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) irresponsibly lent to him. What happened In August 2024 Mr T applied for a loan with Lending Stream. The application was approved, and he was given £150 to be repaid over six mont... (3 pages)View decision -
Decision Reference DRN-5873634
29 Oct 2025 Amplifi Capital (U.K.) Limited Not upheldConsumer CreditDRN-5873634 The complaint Miss B complains that Amplifi Capital (U.K.) Limited, trading as Reevo Money, lent to her irresponsibly. What happened Miss B took out a £1,500 loan with Reevo in July 2023; the term of the loan was 30 months, with a monthly repayment of £74.22. Miss B told Re... (3 pages)View decision -
Decision Reference DRN-5588750
29 Oct 2025 Home Retail Group Card Services Limited Not upheldBanking and PaymentsDRN-5588750 The complaint Mr A complains that Home Retail Group Card Services Limited trading as Argos Card (“Argos”) is holding him liable for credit which he says he neither applied for nor consented to. What happened The background to this complaint is well known to both parties, so... (2 pages)View decision -
Decision Reference DRN-5657465
29 Oct 2025 Society of Lloyd's Not upheldInsuranceDRN-5657465 The complaint Ms S complains that Society of Lloyd's (“Lloyd’s”) unfairly declined her laptop claim under her home insurance policy. What happened Ms S held a home insurance policy underwritten by Lloyd’s. She made a claim in January 2024 after her laptop stopped worki... (2 pages)View decision -
Decision Reference DRN-5226056
29 Oct 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5226056 The complaint Mr B complains that Santander UK Plc didn’t do enough to prevent him from losing money to what he says was a scam. Mr B has used a representative to bring his complaint. But, for ease of reading, I’ll mostly refer to Mr B himself where I also mean his represen... (3 pages)View decision -
Decision Reference DRN-5786063
29 Oct 2025 Ageas Insurance Limited Not upheldInsuranceDRN-5786063 The complaint Mr H complains that Ageas Insurance Limited proportionately settled a claim on his motor insurance policy following the loss of his car. He’s also unhappy that it wanted him to pay his full premium and that it passed this debt to a collection agency. Mr H wants... (3 pages)View decision -
Decision Reference DRN-5755368
29 Oct 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5755368 The complaint Mr W complains that Bank of Scotland plc trading as Halifax lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened The background to Mr W’s complaint and my initial conclusions were set out in two pr... (4 pages)View decision
