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 179851 results
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Decision Reference DRN-6149440
13 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6149440 The complaint Mr G’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 unfair credit relationships with him under Section 140A of the Consumer Credit A... (13 pages)View decision -
Decision Reference DRN-5952610
13 Feb 2026 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5952610 The complaint Mr B complains that HSBC UK Bank Plc won’t refund the money he lost when he was the victims of what he feels was a scam. What happened In April 2020, Mr B decided to invest in a company which leased cars. He understood his investment would be used to fund vehi... (6 pages)View decision -
Decision Reference DRN-6140929
13 Feb 2026 Gain Credit LLC UpheldConsumer CreditDRN-6140929 The complaint Mr R complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) gave him loans without carrying out sufficient affordability checks. What happened A summary of Mr R’s borrowing can be found in the table below. loan number loan amount agreemen... (8 pages)View decision -
Decision Reference DRN-6027580
13 Feb 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6027580 The complaint Bank of Scotland plc trading as Halifax (‘Halifax’) provided Mr W with a credit card in 2020. It had a credit limit of £11,000 and it was started to accept a balance transfer from two other cards of just over £9,000. Mr W says the credit was provided irresponsi... (2 pages)View decision -
Decision Reference DRN-5812473
13 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5812473 The complaint Mr J complains Revolut Ltd has recorded his personal details with Cifas – a fraud prevention database - and won’t remove them. What happened On 11 January 2025, Mr J received a payment of £200 into his Revolut account. Revolut later received notification from ... (3 pages)View decision -
Decision Reference DRN-5821925
13 Feb 2026 Barclays Bank UK PLC Not upheldConsumer CreditDRN-5821925 The complaint Mr T says Barclays Bank UK PLC (‘Barclays’) didn’t approve a loan he applied for, and it won’t provide full information about why this was. What happened This complaint is about a loan that Mr T applied for that was rejected. Mr T complained to Barclays about... (2 pages)View decision -
Decision Reference DRN-5931199
13 Feb 2026 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5931199 The complaint Mr and Mrs S complain that HSBC UK Bank Plc won’t refund the money they lost when they were the victims of what they feel was a scam. What happened In April 2020, Mr S decided to invest in a company his wife had previously invested in which leased cars. He und... (7 pages)View decision -
Decision Reference DRN-6146404
13 Feb 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6146404 The complaint Mr M complains about the quality of a used car he acquired through a conditional sale agreement with MONEYBARN NO.1 LIMITED trading as (‘Moneybarn’). Mr M says that he has had a significant number of problems with the vehicle and it is not fit for purpose. He w... (5 pages)View decision -
Decision Reference DRN-5925414
13 Feb 2026 Gain Credit LLC Not upheldConsumer CreditDRN-5925414 The complaint Miss B complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) gave her loans without carrying out sufficient affordability checks. What happened A summary of Miss B’s lending can be found in the table below. loan number loan amount agreem... (4 pages)View decision -
Decision Reference DRN-6004353
13 Feb 2026 Nationwide Building Society Not upheldBanking and PaymentsDRN-6004353 The complaint Mr R complains that Nationwide Building Society won’t refund the money he lost when he was the victim of what he feels was a scam. What happened In June 2025, Mr R was looking to buy a car and found one he was interested in advertised on an online marketplace.... (3 pages)View decision