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-4778221
8 Jan 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4778221 The complaint Mr M’s complaint, in essence, is that Mitsubishi HC Capital UK PLC (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) deci... (6 pages)View decision -
Decision Reference DRN-6058408
8 Jan 2026 BMW Financial Services (GB) Limited Not upheldConsumer CreditDRN-6058408 The complaint Miss S complains that BMW Financial Services (GB) Limited, trading as Alphera Financial Services, has terminated the hire purchase agreement under which a car was supplied to her. What happened A used car was supplied to Miss S under a hire purchase agreement w... (3 pages)View decision -
Decision Reference DRN-6052832
8 Jan 2026 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-6052832 The complaint Mrs K’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 her under Section 140A of the Consumer Cred... (14 pages)View decision -
Decision Reference DRN-6041778
8 Jan 2026 Covea Insurance plc Not upheldInsuranceDRN-6041778 The complaint Ms G complains that Covea Insurance plc unfairly handled her motor insurance policy following her request to cancel the policy. What happened The circumstances of this case are well known to both parties, but in summary Ms G was involved in an incident in Decem... (3 pages)View decision -
Decision Reference DRN-5900808
8 Jan 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5900808 The complaint Mr R is complaining about Revolut Ltd because it declined to refund money he lost as a result of fraud. What happened Sadly, Mr R fell victim to a cruel investment scam after seeing an online advert that appeared to be endorsed by a well-known celebrity. He mad... (4 pages)View decision -
Decision Reference DRN-5921156
8 Jan 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-5921156 The complaint Mr R is complaining about Santander UK Plc because it declined to refund money he lost as a result of fraud. What happened Sadly, Mr R fell victim to a cruel investment scam after seeing an online advert that appeared to be endorsed by a well-known celebrity. H... (4 pages)View decision -
Decision Reference DRN-6007957
8 Jan 2026 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-6007957 The complaint Mr R is complaining about Capital One (Europe) plc because it declined to refund money he lost as a result of fraud. What happened Sadly, Mr R fell victim to a cruel investment scam after he responded to an online advert that appeared to be endorsed by a well-k... (3 pages)View decision -
Decision Reference DRN-6002445
8 Jan 2026 Nationwide Building Society Not upheldBanking and PaymentsDRN-6002445 The complaint Mrs O complains that staff at Nationwide Building Society gave her misinformation which meant she wasn’t eligible for a £200 switch incentive. She wants the incentive paid. What happened Mrs O wanted to benefit from a £200 switch incentive being offered by Nati... (2 pages)View decision -
Decision Reference DRN-5652938
8 Jan 2026 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5652938 The complaint Miss S is being represented by solicitors. She’s complaining about Monzo Bank Ltd because it declined to refund money she lost as a result of fraud. What happened Sadly, Miss S fell victim to a cruel investment scam. After meeting a scammer online and speaking ... (6 pages)View decision -
Decision Reference DRN-6028417
8 Jan 2026 Mercedes-Benz Financial Services UK Limited Not upheldConsumer CreditDRN-6028417 The complaint Mr O complains about the quality of a car supplied to him by Mercedes-Benz Financial Services UK Limited (“MBFS”). What happened Mr O has been helped to bring his complaint by a third party, but for simplicity, I will always refer to Mr O. This complaint has al... (4 pages)View decision