FOS decisions / Investment Platform
Investment Platform
Financial Ombudsman Service final decisions, reproduced verbatim from the FOS published decisions register.
Decisions
10
Upheld
0
Not upheld
10
Avg redress
£100
Not-upheld complaints (10)
Decision DRN-6289983
A consumer must demonstrate they have suffered a genuine loss to a fraud or scam before an ombudsman can fairly consider whether a bank is responsible for that loss.
Not upheldMay 2026HSBC UK Bank
DRN-6289751A bank is not required to refund a customer's losses from an investment scam if the customer's own negligence and disregard for fraud warnings meant that additional bank interventions would not have prevented the loss.
Not upheldMar 2026HSBC UK Bank
DRN-6148891A bank is not liable for losses from authorised payments made to a scam unless it should reasonably have intervened based on fraud prevention duties.
Not upheldDecision DRN-5951488
A CFD trading platform must maintain reasonably robust systems to allow customers to deposit funds easily and quickly in order to conduct business with due skill, care and diligence.
Not upheldBarclays Bank UK PLC
DRN-6079930Payment Service Providers must reimburse Authorised Push Payment scam victims under the FPS Reimbursement Rules unless an exception applies, such as the Consumer Standard of Caution Exception where the consumer failed with gross negligence
Not upheldDecision DRN-6199705
An investment platform is not required to offer a cashless option for rights issues and must provide notice within a reasonable timeframe, which is typically within days of receiving the information from the custodian.
Not upheldRevolut Ltd
DRN-6270851A payment service provider should intervene in suspicious transactions and provide warnings, but is not liable for losses if the customer ignores warnings and provides misleading information during intervention calls.
Not upheldDecision DRN-6290664
A financial services provider is not obligated to provide real-time pop-up warnings before transactions that result in loss of ISA tax benefits, provided adequate information is available in statements and public materials.
Not upheldInteractive Investor Services Limited
DRN-6174070A platform must provide clear, fair and sufficiently prominent information about FX fees, but this can be satisfied through pre-trade preview screens showing indicative rates and the ability to access detailed fee information before executi
Not upheldDecision DRN-6210022
A platform operator may apply security measures consistently to all customers and cannot maintain special arrangements without the explicit consent of the relevant trustee client.
Not upheld