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
-
Decision Reference DRN-6017441
15 Jan 2026 Bartlett Wealth Management Ltd Not upheldPensions and AnnuitiesDRN-6017441 The complaint Mrs S complains that Bartlett Wealth Management Ltd (Bartlett Wealth) caused delays in providing her with advice and arranging her annuity, resulting in financial losses. She wants compensation for the losses. What happened Mrs S was an existing customer of Ba... (4 pages)View decision -
Decision Reference DRN-6063561
15 Jan 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6063561 The complaint Miss W complains that a car that was supplied to her under a conditional sale agreement with Moneybarn No. 1 Limited wasn’t of satisfactory quality. What happened A used car was supplied to Miss W under a conditional sale agreement with Moneybarn that she elect... (2 pages)View decision -
Decision Reference DRN-6025346
15 Jan 2026 Oodle Financial Services Limited Not upheldConsumer CreditDRN-6025346 The complaint Mr R complains about a car supplied to him using a hire purchase agreement taken out with Oodle Financial Services Limited (“Oodle”). What happened Towards the end of August 2025, Mr R acquired a used car using a hire purchase agreement with Oodle. The car was... (3 pages)View decision -
Decision Reference DRN-5775678
15 Jan 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-5775678 The complaint Mr S complains about how Santander UK Plc handled a claim he made to it. 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 disputes with minimum formality.... (3 pages)View decision -
Decision Reference DRN-5793602
15 Jan 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5793602 The complaint Mr F complains Barclays Bank UK PLC unfairly closed his account. What happened The facts of the complaint are well known to both parties, so I will only provide a summary of the key points. Mr F held a Barclays account, and in March 2025 Barclays reached out ... (3 pages)View decision -
Decision Reference DRN-5842444
15 Jan 2026 Watford Insurance Company Europe Limited Not upheldInsuranceDRN-5842444 The complaint Mr J has complained about the way Watford Insurance Company Europe Limited handled a claim he made on his motor insurance policy. What happened The circumstances of this case are well known to both parties, and what follows is a brief summary of what happened. ... (3 pages)View decision -
Decision Reference DRN-5660641
15 Jan 2026 Western Circle Ltd Not upheldConsumer CreditDRN-5660641 The complaint Mr M complains that Western Circle Ltd trading as “Cashfloat” lent to him irresponsibly. What happened Cashfloat provided three instalment loans to Mr M, as follows: Loan number Loan amount Highest monthly repayment Instalments Date taken Date repaid 1 £900£2... (3 pages)View decision -
Decision Reference DRN-6051795
15 Jan 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6051795 The complaint Mr A has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr A opened an account with Monzo in January 2024. In May 2024 Monzo received a fraud report from one of their customers about 15 ... (3 pages)View decision -
Decision Reference DRN-5961396
15 Jan 2026 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-5961396 The complaint Mrs D complains about the quality of a car supplied on finance by Santander Consumer (UK) Plc. 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 disputes w... (5 pages)View decision -
Decision Reference DRN-5981654
15 Jan 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5981654 The complaint Mr and Mrs B’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to unfair credit relationships with them under section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’), and (2) ... (13 pages)View decision