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 387322 results
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Decision Reference DRN-5728903
6 Jan 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5728903 The complaint Mr and Mrs H complain that Barclays Bank UK PLC (‘Barclays’) hasn’t refunded the money they believe they lost to an authorised push payment (‘APP’) scam. Mr and Mrs H referred their complaint to this service with the help of a professional representative. Howe... (5 pages)View decision -
Decision Reference DRN-5968683
6 Jan 2026 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-5968683 The complaint Mr M’s complaint is, in essence, that Mitsubishi HC Capital UK PLC (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) de... (13 pages)View decision -
Decision Reference DRN-6056606
6 Jan 2026 Inter Partner Assistance SA UpheldInsuranceDRN-6056606 The complaint Mrs B, Mr B and Miss B are unhappy that Inter Partner Assistance SA declined a claim they made on a travel insurance policy. What happened Mrs B, Mr B, Miss B are the adults named on an annual travel insurance policy together with another family member who, at ... (4 pages)View decision -
Decision Reference DRN-6048425
6 Jan 2026 PDL Finance Limited Not upheldConsumer CreditDRN-6048425 The complaint Mr S complains PDL Finance trading as Mr Lender irresponsibly lent to him. What happened PDL Finance provided Mr S with one loan as follows: Date of Sale Loan Amount Interest rate (p/a) Largest Monthly Repayment Number of Instalments (months) Total amount rep... (5 pages)View decision -
Decision Reference DRN-6042888
6 Jan 2026 Bamboo Limited Not upheldConsumer CreditDRN-6042888 The complaint Mr B complains that Bamboo Limited irresponsibly provided him with a loan for £3,000 which he couldn’t afford and that it has reported subsequent defaults on his credit file. What happened The details of this complaint are well-known to both parties, so I won’... (2 pages)View decision -
Decision Reference DRN-6006009
6 Jan 2026 Tandem Motor Finance Limited UpheldConsumer CreditDRN-6006009 The complaint Ms O complains that Tandem Motor Finance Limited did not accept her request to reject a car. What happened In September 2024 Ms O acquired a second hand car at a cost of £9,294 funded by a hire purchase agreement with Tandem. The car was advertised as ULEZ comp... (3 pages)View decision -
Decision Reference DRN-6056290
6 Jan 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6056290 The complaint Mr R’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit... (10 pages)View decision -
Decision Reference DRN-5991826
6 Jan 2026 Astrenska Insurance Limited UpheldInsuranceDRN-5991826 The complaint Mrs B and Mr B have complained about the service received from Astrenska Insurance Limited trading as Collinson Insurance under their travel insurance policy. What happened The background to this dispute is well known to the parties so I won’t repeat the detail... (2 pages)View decision -
Decision Reference DRN-5236914
6 Jan 2026 ReAssure Life Limited Not upheldInsuranceDRN-5236914 The complaint Mr J, Mrs J, Mr P and Mrs S (the trustees) complain on behalf of a trust that ReAssure Life Limited (ReAssure) won’t provide future premium projections for a whole of life policy held by the trust. What happened The settlors of the trust took out a whole of li... (3 pages)View decision -
Decision Reference DRN-6053379
6 Jan 2026 Go Car Credit Limited Not upheldConsumer CreditDRN-6053379 The complaint Mr R complains about the quality of a car supplied to him on finance by Go Car Credit Limited (‘GCC’). What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my role resolving di... (3 pages)View decision