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 70 results
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Decision Reference DRN-5965811
16 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-5965811 The complaint Mrs M’s complaint is, in essence, that Tandem Bank Limited 1 (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding... (12 pages)View decision -
Decision Reference DRN-5929054
15 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-5929054 The complaint Mrs P’s complaint is, in essence, that Tandem Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding a... (12 pages)View decision -
Decision Reference DRN-5886201
15 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-5886201 The complaint Mr T’s complaint is, in essence, that Tandem Bank Limited 1 (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) deciding ... (12 pages)View decision -
Decision Reference DRN-5886183
15 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-5886183 The complaint Mrs D’s complaint is, in essence, that Tandem Bank Limited 1 (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding... (11 pages)View decision -
Decision Reference DRN-6079271
14 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-6079271 The complaint Mrs S complains Tandem Bank Limited (the “Lender”) has failed to honour a claim under Section 75 of the Consumer Credit Act 1974 (the “CCA”) and has participated in an unfair credit relationship with her under Section 140A of the CCA. Mrs S is represented in h... (13 pages)View decision -
Decision Reference DRN-6078651
14 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-6078651 The complaint Mr T’s complaint is, in essence, that Tandem Bank Limited (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) deciding a... (12 pages)View decision -
Decision Reference DRN-5923853
14 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-5923853 The complaint Mr M’s complaint is, in essence, Tandem Bank Limited (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) deciding against... (12 pages)View decision -
Decision Reference DRN-5924609
14 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-5924609 The complaint Mrs M complains Tandem Bank Limited (the “Lender”) has failed to honour a claim under Section 75 of the Consumer Credit Act 1974 (the “CCA”) and has participated in an unfair credit relationship with her under Section 140A of the CCA. Mrs M is represented in h... (12 pages)View decision -
Decision Reference DRN-5924907
13 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-5924907 The complaint Mr W’s complaint is, in essence, that Tandem Bank Limited 1 (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) deciding ... (12 pages)View decision -
Decision Reference DRN-6042852
13 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-6042852 The complaint Mr O’s complaint is, in essence, that Tandem Bank Limited (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) deciding ag... (12 pages)View decision