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 392389 results
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Decision Reference DRN-6039904
2 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6039904 The complaint Mr A complains that Barclays Bank UK PLC (‘Barclays’) won’t reimburse the funds he says he lost to what he believes was a scam. What happened In July 2024, Mr A was looking to buy some flight tickets. He visited a travel agent shop he’d seen on the high street... (5 pages)View decision -
Decision Reference DRN-6121264
2 Feb 2026 MBNA Limited Not upheldBanking and PaymentsDRN-6121264 The complaint Mrs A has complained that MBNA Limited were irresponsible in opening a Credit Card account for her. What happened MBNA provided Mrs A with a credit card in October 2020 with a credit limit of £8,500. Mrs A says the lending decision was irresponsible. She says t... (3 pages)View decision -
Decision Reference DRN-5939652
2 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5939652 The complaint Miss S has complained that Revolut Ltd won’t refund money she lost to a scam. What happened The details of the complaint are well known to both parties, so I will not repeat them again here. Instead, I will focus on giving the reasons for my decision. What I’... (3 pages)View decision -
Decision Reference DRN-5943544
2 Feb 2026 Lloyds Bank PLC Not upheldMortgagesDRN-5943544 The complaint This complaint is about an interest-only buy-to-let (BTL) mortgage that Mr A took out in 2007 with a lender I’ll call C, now part of Lloyds Bank PLC. There are several strands to the complaint, but at its core, the essence of the complaint is Mr A is unhappy th... (4 pages)View decision -
Decision Reference DRN-5995757
2 Feb 2026 PayPal (Europe) S.à r.l et Cie, S.C.A. UpheldBanking and PaymentsDRN-5995757 The complaint Mr C complains that PayPal (Europe) S.a.r.l et Cie, S.C.A. (‘PayPal Europe’) mishandled his Debt Relief Order (‘DRO’). Mr C says this affected his mental and physical health. He’d like more compensation to resolve his complaint. What happened Mr C had a credi... (3 pages)View decision -
Decision Reference DRN-5986958
2 Feb 2026 TRANSUNION INTERNATIONAL UK LIMITED Not upheldConsumer CreditDRN-5986958 The complaint Mr B complains about the way TransUnion International UK Limited handled his Data Subject Access Request (DSAR). What happened Around June 2025, Mr B submitted a DSAR to TransUnion. On receipt, Mr B says there were omissions in relation to information TransUnio... (5 pages)View decision -
Decision Reference DRN-5874658
2 Feb 2026 THE CO-OPERATIVE BANK P.L.C. Not upheldBanking and PaymentsDRN-5874658 The complaint Mr W, a director of P Limited, complains that The Co-operative Bank P.L.C. (Co-op) experienced an IT issue that locked his business account and then told him it was his fault. What happened On 21 June 2025 Mr W tried unsuccessfully to login to his Co-op busines... (3 pages)View decision -
Decision Reference DRN-5936221
2 Feb 2026 National Deposit Friendly Society Limited Not upheldInsuranceDRN-5936221 The complaint Mr and Mrs H are unhappy that National Deposit Friendly Society Limited (National Deposit) declined their private medical insurance claim. Any reference to National Deposit includes all its agents. The policy is in joint names with Mr and Mrs H. For ease, howev... (5 pages)View decision -
Decision Reference DRN-6120857
2 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6120857 The complaint Mr H’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... (11 pages)View decision -
Decision Reference DRN-5749889
2 Feb 2026 AJ Bell Securities Limited Not upheldInvestmentsDRN-5749889 The complaint The estate of Mr W complains AJ Bell Securities Limited trading as AJ Bell Investcentre (‘AJ Bell’) made an error, which delayed the sale of shares resulting in financial loss. The executors of Mr W’s estate are authorised in law to bring this complaint, but t... (8 pages)View decision