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-5976822
15 Dec 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5976822 The complaint Mr O complains about an international transfer that he completed with Lloyds Bank PLC. He says that the money was returned to him but it was much less than he had sent. What happened Mr O completed an international transfer of £16,200 on 31 July 2025 and wante... (2 pages)View decision -
Decision Reference DRN-5576899
15 Dec 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5576899 The complaint Miss S complains that HSBC UK Bank Plc (“HSBC”) hasn’t protected her from losing money to scammers, and that it’s unfairly holding her liable for the debt on a loan which she says she didn’t apply for. What happened The background to this complaint is well kno... (3 pages)View decision -
Decision Reference DRN-5873910
15 Dec 2025 Inter Partner Assistance SA UpheldInsuranceDRN-5873910 The complaint Ms G and Mr G are unhappy with the service they received from Inter Partner Assistance SA when they claimed on their travel insurance policy. What happened Ms G and Mr G were abroad when Ms G became unwell. She was unable to contact IPA by phone and didn’t rece... (3 pages)View decision -
Decision Reference DRN-5949592
15 Dec 2025 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5949592 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... (9 pages)View decision -
Decision Reference DRN-6005116
15 Dec 2025 PayPal UK Ltd Not upheldBanking and PaymentsDRN-6005116 The complaint Miss N complains PayPal UK Ltd made a mistake with an exchange rate, put her account into a negative balance then took too long to fix things. What happened Miss N sent a family member a little over £100, to be converted to another currency, but PayPal made a... (3 pages)View decision -
Decision Reference DRN-5842049
15 Dec 2025 Everyday Lending Limited Not upheldConsumer CreditDRN-5842049 The complaint Mr D complains that Everyday Lending Limited (“ELL”) has irresponsibly lent to him. What happened ELL lent Mr D one loan in March 2024, the loan was for £1,250, which Mr D stated he needed for home improvements. The loan term was 18 months with monthly repaymen... (3 pages)View decision -
Decision Reference DRN-5957214
15 Dec 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5957214 The complaint Mr S is unhappy that Lloyds Bank PLC has closed his local branch. What happened Lloyds wrote to Mr S to let him know that they had taken the decision to close his local branch. Mr S was unhappy with this decision so contacted Lloyds to let them know. He said he... (2 pages)View decision -
Decision Reference DRN-5877220
15 Dec 2025 Tandem Home Loans Ltd Not upheldConsumer CreditDRN-5877220 The complaint Mr W complains through a third-party representative about Tandem Home Loans Ltd trading as Oplo’s decision to lend. Mr W says the loan shouldn’t have been granted to him. What happened Oplo lent Mr W one loan in February 2019, the loan was for £5,000 to be rep... (2 pages)View decision -
Decision Reference DRN-6021991
15 Dec 2025 Shawbrook Bank Limited Not upheldConsumer CreditThe complaint Mr and Mrs P’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) deciding again... (10 pages)View decision -
Decision Reference DRN-5776731
15 Dec 2025 Gain Credit LLC UpheldConsumer CreditDRN-5776731 The complaint Miss L complains that Gain Credit LLC trading as Lending Stream irresponsibly lent to her. Miss L says the lending got her stuck in a cycle of debt. What happened From the information provided, Lending Stream lent Miss L five loans, the details are below. Loa... (3 pages)View decision