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-6244683
17 Apr 2026 Billing Finance Limited Not upheldConsumer CreditDRN-6244683 The complaint Mr A has complained that Billing Finance Limited loaded a fraud marker against him in respect of a car finance agreement application. What happened In January 2026 Mr A referred a complaint to the Financial Ombudsman. He said he’d recently contacted Billing Fi... (2 pages)View decision -
Decision Reference DRN-6283211
17 Apr 2026 Advantage Insurance Company Limited Not upheldInsuranceDRN-6283211 The complaint Mr T is unhappy with Advantage Insurance Company Limited’s handling of his motor insurance claim. In particular, its poor communication and failure to provide him with a courtesy car in a timely manner in accordance with the terms of his policy. What happened T... (3 pages)View decision -
Decision Reference DRN-6080041
17 Apr 2026 ETORO (UK) LIMITED UpheldInvestmentsDRN-6080041 The complaint Miss G complains that ETORO (UK) LIMITED (“eToro”) unfairly told her it was going to close her account. She says as a result her positions were closed, causing her a loss. What happened In May 2025 Miss G tried to make a cryptocurrency transfer using her eToro ... (2 pages)View decision -
Decision Reference DRN-6092105
17 Apr 2026 Startline Motor Finance Limited Not upheldConsumer CreditDRN-6092105 The complaint Miss L has complained that a car she acquired using finance from STARTLINE MOTOR FINANCE LIMITED wasn’t of satisfactory quality. What happened In June 2024, Miss L entered into a finance agreement with Startline, for a used car. A week later, she returned is as... (2 pages)View decision -
Decision Reference DRN-6287226
17 Apr 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6287226 The complaint Mr D complains that Lloyds Bank PLC won’t refund the money he says he lost as the result of a scam. What happened The background to this complaint is well known to the parties, so I’ll simply summarise it here. Mr D found what appeared to be an attractive inves... (9 pages)View decision -
Decision Reference DRN-6067721
17 Apr 2026 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-6067721 The complaint Mr S is unhappy that American Express Services Europe Limited (“AmEx”) charged interest on his credit card balance when he did not pay the full statement balance by the due date, as he considers this interest-charging method to be unfair. What happened Mr S hol... (2 pages)View decision -
Decision Reference DRN-6037890
17 Apr 2026 Amplifi Capital (U.K.) Limited Not upheldConsumer CreditDRN-6037890 The complaint Mr S complains Amplifi Capital (U.K.) Limited trading as Reevo Money (Reevo) unfairly reported a default with credit reference agencies (CRAs) following a number of missed payments on his loan account. What happened Mr S took out a personal loan with Reevo in ... (3 pages)View decision -
Decision Reference DRN-6132328
17 Apr 2026 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-6132328 The complaint Mr K complains that American Express Services Europe Limited (AESEL) acted irresponsibly when they agreed to lend to him. What happened In February 2022, Mr K successfully applied for a credit card with AESEL with a credit limit of £8,200. Mr K confirmed he do... (3 pages)View decision -
Decision Reference DRN-6274756
17 Apr 2026 Santander UK Plc UpheldBanking and PaymentsDRN-6274756 The complaint and what happened Mr U complains that Santander UK Plc (“Santander”) won’t reimburse him £1,026 that he lost when he fell victim to a scam. Our investigator didn’t uphold the complaint. She wasn’t persuaded that Santander ought to have been concerned about the ... (2 pages)View decision -
Decision Reference DRN-6300094
17 Apr 2026 Zurich Insurance Company Ltd UpheldInsuranceDRN-6300094 The complaint Miss B complained about Zurich Insurance Company Ltd’s (“Zurich”) handling of an escape of water claim under her home buildings insurance policy. What happened Miss B explained that due to an escape of water in her loft, her home was extensively damaged. She c... (5 pages)View decision