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-5935713
11 Feb 2026 Next Retail Limited Not upheldConsumer CreditDRN-5935713 The complaint Miss C complains that Next Retail Limited failed to apply a payment she’d sent by cheque to her account and issued a default notice. What happened Miss C holds a credit account with Next. She sent a cheque to Next to clear the account. Miss C says that Next has... (3 pages)View decision -
Decision Reference DRN-5901757
11 Feb 2026 Bank of Scotland Plc Not upheldConsumer CreditDRN-5901757 The complaint Mr M complains that Bank of Scotland plc trading as Halifax recorded a default on his credit file. What happened Mr M holds a personal loan with Halifax. In or around 2022 Mr M completed work as a self-employed contractor but didn’t receive payment for the work... (2 pages)View decision -
Decision Reference DRN-6002068
11 Feb 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-6002068 The complaint Mr H complains Vanquis Bank Limited lent to him irresponsibly when they provided him with a credit card account. What happened In April 2024, Mr H was provided with a Credit Card account by Vanquis, with an initial credit limit of £1,200. There were no further... (3 pages)View decision -
Decision Reference DRN-6147783
11 Feb 2026 Blue Motor Finance Ltd UpheldConsumer CreditDRN-6147783 The complaint Mr T is unhappy that a car supplied to him under a hire purchase agreement with Blue Motor Finance Ltd (Blue Motor) was of an unsatisfactory quality. What happened In May 2025 Mr T was supplied with a used car through a hire purchase agreement with Blue Motor. ... (4 pages)View decision -
Decision Reference DRN-6026245
11 Feb 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6026245 The complaint Mr P complains HSBC UK Bank Plc trading as first direct (“first direct”) won’t refund money he lost when he fell victim to an investment scam. Mr P is professionally represented, however for ease, I’ll refer to Mr P throughout my decision. What happened The bac... (4 pages)View decision -
Decision Reference DRN-6146698
11 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6146698 The complaint Mr and Mrs O’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-5738923
11 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5738923 The complaint Mr M is unhappy that Revolut Ltd won’t refund transactions that he made as part of a scam. What happened In 2024 Mr M encountered someone on social media he had mutual connections with. He saw posts about making quick profits through a cryptocurrency investment... (4 pages)View decision -
Decision Reference DRN-6147618
11 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6147618 The complaint Mr M says Mitsubishi HC Capital UK Plc (‘The Lender’) has unfairly declined his claim under section 75 of the Consumer Credit Act 1974 (‘CCA’). And he says his creditor- debtor relationship with the Lender was unfair to him under section 140A of the CCA. What ... (8 pages)View decision -
Decision Reference DRN-5874834
11 Feb 2026 Everyday Lending Limited Not upheldConsumer CreditDRN-5874834 The complaint Mrs S complains Everyday Lending Limited trading as Everyday Loans irresponsibly lent to her. What happened Mrs S took out an unsecured loan from Everyday Loans. This loan was approved on 15 September 2021 and was for £2,000; the monthly repayments were £182.07... (3 pages)View decision -
Decision Reference DRN-4765093
11 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-4765093 The complaint Mr C’s complaint is, in essence, that Clydesdale Financial Services 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 Act 1... (4 pages)View decision