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-6117383
11 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6117383 The complaint Mrs W’s complaint is, in essence, that Clydesdale Financial Services Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) ... (11 pages)View decision -
Decision Reference DRN-6017724
11 Feb 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6017724 The complaint W, a limited company, is unhappy that Monzo Bank Ltd, closed its account without notice. What happened On 26 December 2024 Monzo closed W’s account without notice. It requested information from W in order to return the funds in the account to W. As it didn’t d... (2 pages)View decision -
Decision Reference DRN-6098977
11 Feb 2026 Secure Trust Bank Public Limited Company UpheldConsumer CreditDRN-6098977 The complaint Mr P is unhappy Secure Trust Bank Public Limited Company trading as V12 Vehicle Finance (V12) terminated his hire purchase agreement for a car. What happened In August 2024, Mr P took out a hire purchase agreement from V12 to pay for a used car. V12 provided ar... (5 pages)View decision -
Decision Reference DRN-6133001
11 Feb 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-6133001 The complaint Mr P’s complaint is, in essence, that Tandem 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 ag... (11 pages)View decision -
Decision Reference DRN-6132599
11 Feb 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-6132599 The complaint Mrs R’s complaint is, in essence, that Tandem Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding a... (11 pages)View decision -
Decision Reference DRN-6120178
11 Feb 2026 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-6120178 The complaint Mrs M complains she was mis-led by Capital One (Europe) plc (Capital One) about the credit limit she would receive prior to being accepted for a Post Office credit card. She’s also unhappy her credit file will be affected for 12 months, despite her cancelling t... (2 pages)View decision -
Decision Reference DRN-6144858
11 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6144858 The complaint Mrs L and Mr L’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 (... (13 pages)View decision -
Decision Reference DRN-6146539
11 Feb 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-6146539 The complaint Mr C complains that Santander UK Plc blocked the joint account he held with his wife. As a result, he was unable to make a payment to HMRC, with the result that a fine was incurred. What happened Mr C has explained that, at the relevant time, he was an account ... (2 pages)View decision -
Decision Reference DRN-5799260
11 Feb 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5799260 The complaint Mrs B complains about the actions of Monzo Bank Ltd when she lost money to a scam. What happened Mrs B has explained that in August 2024 she fell victim to a cruel job scam. Mrs B has told us she was searching for work when she was contacted by someone posing ... (3 pages)View decision -
Decision Reference DRN-5826739
11 Feb 2026 PSI-Pay Ltd Not upheldBanking and PaymentsDRN-5826739 The complaint Mr B is unhappy that PSI-Pay Ltd have refused to refund seven transactions he says he didn’t authorise. Mr B opened an account with a firm I’ll refer to as P. P had a business partnership with PSI- Pay which makes PSI-Pay responsible for Mr B’s complaint. So, ... (3 pages)View decision