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 391431 results
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Decision Reference DRN-5926726
6 Jan 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5926726 The complaint Mr S complains that Monzo Bank Ltd hasn’t reimbursed the money he’s said he has lost to a recovery scam. What happened Mr S has explained that he was approached by an individual who said they could help him recover the money he’d lost to a cryptocurrency invest... (1 page)View decision -
Decision Reference DRN-5631780
6 Jan 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5631780 The complaint Mr and Mrs P complain that Lloyds Bank PLC (Lloyds Bank, hereinafter) hasn’t refunded the losses they’ve incurred when Mr P says he fell victim to an investment recovery scam. What happened Mr P says that he was introduced to a cryptocurrency trading investme... (3 pages)View decision -
Decision Reference DRN-6056923
6 Jan 2026 MONEYBARN NO.1 LIMITED UpheldConsumer CreditDRN-6056923 The complaint Mr K complains that Moneybarn No.1 Limited What happened As both parties are familiar with the circumstances of this complaint, I’ve summarised them briefly below. Moneybarn supplied Mr K with a used vehicle on a conditional sale agreement in November 2022. By... (3 pages)View decision -
Decision Reference DRN-6017733
6 Jan 2026 Lloyds Bank General Insurance Limited Not upheldInsuranceDRN-6017733 The complaint Ms V is unhappy with the way Lloyds Bank General Insurance Limited (LBGI) settled a claim under her home insurance policy. What happened Ms V made a claim to LBGI after a fire damaged her home. After the fire she noticed that two rings had been lost or stolen. ... (2 pages)View decision -
Decision Reference DRN-5999074
6 Jan 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5999074 The complaint Mr S has complained about how HSBC UK Bank Plc (HSBC) handled a refund claim he made. What happened As all parties are familiar with this complaint, I’ll only summarise the key background where necessary within my findings below. What I’ve decided – and why I’ve... (3 pages)View decision -
Decision Reference DRN-6005695
6 Jan 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6005695 The complaint Mr B complains about the way MONEYBARN NO.1 LIMITED trading as Moneybarn are reporting a finance agreement he had with them to the Credit Reference Agencies (CRA’s). He says he didn’t receive correspondence about the amount owed and that Moneybarn have been unr... (2 pages)View decision -
Decision Reference DRN-6056713
6 Jan 2026 U K Insurance Limited Not upheldInsuranceDRN-6056713 The complaint Miss L made a claim on her U K Insurance Limited trading as Direct Line Pet Insurance (‘UKI’) pet insurance policy which was declined. Miss L says UKI treated her unfairly. What happened In December 2025 I issued a provisional decision in which I said the foll... (3 pages)View decision -
Decision Reference DRN-5831150
6 Jan 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5831150 The complaint Mr K complains that Barclays Bank UK PLC trading as Tesco Bank irresponsibly lent to him. What happened Mr K was approved for a Tesco credit card in October 2018, with a £250 credit limit. The credit limit was increased to £600 in February 2019. Mr K says that ... (5 pages)View decision -
Decision Reference DRN-6056804
6 Jan 2026 Covea Insurance plc UpheldInsuranceDRN-6056804 The complaint Mr N and Ms S complain about Covea Insurance plc’s (Covea’s) handling of a claim made under their landlord property insurance policy. What happened Mr N and Ms S own a property which they rent out to tenants. They have a landlord property insurance policy, und... (7 pages)View decision -
Decision Reference DRN-6056901
6 Jan 2026 My Finance Club Limited Not upheldConsumer CreditDRN-6056901 The complaint Mr W complains My Finance Club (MFC) irresponsibly lent to him. What happened Mr W took two loans with MFC as follows: Loan No. Loan amount Agreement date Repayment date Scheduled term (days) Actual term (days) Repayment 1 £40022/11/2022 29/12/2022 38 36 £521.... (6 pages)View decision