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-6068406
9 Jan 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6068406 The complaint Mr A’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... (14 pages)View decision -
Decision Reference DRN-5998112
9 Jan 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5998112 The complaint Mr and Mrs K’s complaint is that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding aga... (12 pages)View decision -
Decision Reference DRN-6068295
9 Jan 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-6068295 The complaint Mr D is unhappy that National Westminster Bank Public Limited (NatWest) won’t reimburse money he lost to a scam. Mr D is professionally represented in bringing his complaint, but for ease of reading, I’ll refer to all submissions as being made by Mr D directly... (3 pages)View decision -
Decision Reference DRN-6068368
9 Jan 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6068368 The complaint Mrs C and Mr S’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (... (12 pages)View decision -
Decision Reference DRN-5809685
9 Jan 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5809685 The complaint Mr B’s complaint is, in essence, that Shawbrook 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... (13 pages)View decision -
Decision Reference DRN-5623966
9 Jan 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5623966 The complaint Mr K says Revolut Ltd (“Revolut”) failed to protect him from financial harm when he fell victim to a scam. Mr K has appointed a professional representative who has brought this complaint on his behalf. However, for ease, I will simply refer to “Mr K” throughout... (3 pages)View decision -
Decision Reference DRN-5779103
9 Jan 2026 Vodafone Limited Not upheldConsumer CreditDRN-5779103 The complaint Miss M complains that Vodaphone Limited (‘VL’) unfairly defaulted her. 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. M... (3 pages)View decision -
Decision Reference DRN-5946705
9 Jan 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5946705 The complaint Mr W’s complaint is that Mitsubishi HC Capital UK Plc, trading as Hitachi Capital Consumer 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 Act 1974 (as... (12 pages)View decision -
Decision Reference DRN-5844974
9 Jan 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5844974 The complaint Mr and Mrs J’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’), and (2... (13 pages)View decision -
Decision Reference DRN-6068285
9 Jan 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6068285 The complaint Mr B’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