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-5842249
2 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5842249 The complaint A company, which I’ll refer to as K, complains that Barclays Bank UK PLC (‘Barclays’) hasn’t reimbursed the funds it lost in a scam. Mrs D, who is a director of K, brings the complaint on K’s behalf. What happened Mrs D says that K invested over £460,000 (less... (3 pages)View decision -
Decision Reference DRN-5837463
2 Feb 2026 Aviva Insurance Limited Not upheldInsuranceDRN-5837463 The complaint Mr and Mrs A have complained that Aviva Insurance Limited (Aviva) declined part of a storm claim they made for damage to their roof. What happened Mr and Mrs A held a home insurance policy underwritten by Aviva. In January 2025 Mr and Mrs A made a claim to Avi... (4 pages)View decision -
Decision Reference DRN-6031087
2 Feb 2026 KIS FINANCE LIMITED UpheldMortgagesDRN-6031087 The complaint Mr and Mrs M’s complaint is about the service they received from KIS FINANCE LIMITED trading as Keeping it Simple Finance when they were attempting to refinance lending secured on their home in 2024. What happened In the autumn of 2024 Mr and Mrs M had an exist... (4 pages)View decision -
Decision Reference DRN-6034816
2 Feb 2026 Lendable Ltd Not upheldConsumer CreditDRN-6034816 Complaint Mr D complains that Lendable Ltd (“Lendable”) irresponsibly lent to him. Background Lendable provided Mr D with a loan for £6,100.00 in October 2021. This loan was due to be repaid in 17 monthly instalments of £399.75 and a final instalment of £392.49. One of our... (3 pages)View decision -
Decision Reference DRN-6108618
2 Feb 2026 MARKS AND SPENCER FINANCIAL SERVICES PLC Not upheldBanking and PaymentsDRN-6108618 Complaint Miss H has complained about a credit card Marks and Spencer Financial Services PLC (trading as “M&S Bank”) provided to her. She says the credit card was irresponsibly provided as it was unaffordable for her. Background M&S Bank provided Miss H with a credi... (3 pages)View decision -
Decision Reference DRN-5930215
2 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5930215 Complaint Ms K has complained that Barclays Bank UK PLC (trading as “Barclaycard”) irresponsibly increased the limit on her credit card. She says that the limit increases were unaffordable and being provided with them caused her difficulty going forward. Background Barclayc... (6 pages)View decision -
Decision Reference DRN-6001220
2 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6001220 Complaint Miss I has complained that Barclays Bank UK PLC (then trading as “Tesco Bank”) irresponsibly provided a credit card to her. She says that this caused her difficulty going forward as she had to make cutbacks on essential items. Background Tesco Bank initially provi... (5 pages)View decision -
Decision Reference DRN-5833533
2 Feb 2026 Frasers Group Financial Services Limited Not upheldConsumer CreditDRN-5833533 Complaint Mrs A has complained that Frasers Group Financial Services Limited (trading as “Ace”) irresponsibly provided her with a catalogue shopping account and credit limit increases. She’s said that this credit was unaffordable for her and it resulted in her experiencing o... (6 pages)View decision -
Decision Reference DRN-6118661
2 Feb 2026 Oodle Financial Services Limited Not upheldConsumer CreditDRN-6118661 Complaint Mr L complains that Oodle Financial Services Limited (trading as “Oodle” Car Finance) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In July 2019, Oodle provided Mr L wi... (3 pages)View decision -
Decision Reference DRN-6097945
2 Feb 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-6097945 Complaint Mr I has complained about a credit card Clydesdale Bank Plc (trading as “Virgin Money”) provided to him. He says he shouldn’t have been provided with this credit card as it was unaffordable for him. Background Virgin Money provided Mr I with a credit card with a l... (3 pages)View decision