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 369228 results
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Decision Reference DRN-5346493
7 Mar 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5346493 Complaint Mr H has complained about a credit card Zopa Bank Limited (“Zopa”) provided to him. He says the credit card was irresponsibly provided to him as it was unaffordable. Background Zopa provided Mr H with a credit card which had a credit limit of £1,000.00 in August 2... (3 pages)View decision -
Decision Reference DRN-4887271
7 Mar 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4887271 The complaint Mr N complains that Lloyds Bank PLC won’t refund the money he lost when he was the victim of what he feels was a scam. What happened Some time before July 2019, Mr N saw an advert online for a property crowdfunding company. The company offered investors the op... (3 pages)View decision -
Decision Reference DRN-5318182
7 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5318182 The complaint Miss I says Vanquis Bank Limited (‘Vanquis’), irresponsibly lent to her. She says that it didn’t take reasonable steps to ensure she could afford the repayments towards a credit card. And it shouldn’t have provided her with £1,000 of credit without proper check... (4 pages)View decision -
Decision Reference DRN-5350768
7 Mar 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5350768 Complaint Mr G has complained about the overdraft charges Barclays Bank UK Bank Plc (“Barclays”) applied to his account. Mr G is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr G’s account were unfair as... (5 pages)View decision -
Decision Reference DRN-4887262
7 Mar 2025 Starling Bank Limited Not upheldBanking and PaymentsDRN-4887262 The complaint Mr N complains that Starling Bank Limited won’t refund the money he lost when he was the victim of what he feels was a scam. What happened Some time before July 2019, Mr N saw an advert online for a property crowdfunding company. The company offered investors ... (3 pages)View decision -
Decision Reference DRN-5378839
7 Mar 2025 The Prudential Assurance Company Limited UpheldInvestmentsDRN-5378839 The complaint Mr L has complained about the investment advice he received from The Prudential Assurance Company Limited (‘Prudential’). Mr L says he was mis-sold products that didn’t meet his needs. The advice incurred costs of 3% and the investments performed poorly. What ... (10 pages)View decision -
Decision Reference DRN-5344210
7 Mar 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5344210 Complaint Mr B has complained about the overdraft charges HSBC Bank UK Plc (“HSBC”) applied to his current account. He’s said the charges were applied unfairly as he was allowed to use his overdraft for a prolonged period. Mr B is being represented in his complaint by a Cla... (5 pages)View decision -
Decision Reference DRN-5244139
7 Mar 2025 Fluro Platform Limited Not upheldConsumer CreditDRN-5244139 Complaint Mr D has complained that Fluro Platform Limited (trading as “Lending Works”) unfairly brought about an unaffordable loan for him. He’s said that the loan was unaffordable and the checks carried out weren’t thorough enough as they did not stress test his ability to... (3 pages)View decision -
Decision Reference DRN-4889352
7 Mar 2025 Handelsbanken plc Not upheldBanking and PaymentsDRN-4889352 The complaint L complains that Handelsbanken plc won’t refund money they lost to an interception scam. What happened The background to this complaint is well known to both parties and so I’ll only refer to some key events here. L wanted to send €42,000 funds to a country – w... (4 pages)View decision -
Decision Reference DRN-4985656
6 Mar 2025 Aviva Life & Pensions UK Limited Not upheldInvestmentsDRN-4985656 The complaint Mrs R is represented by a claims management company (‘CMC’) in bringing her complaint. The CMC says Mrs R was given unsuitable advice by Aviva Life & Pensions UK Limited (‘Aviva’) to invest £5,000 in a CGU Life Guaranteed Security Portfolio Bond in March 19... (4 pages)View decision
