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-6091215
10 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6091215 The complaint Mr C complains that Barclays Bank UK PLC (Barclays), reduced his credit limit on his credit card and would not reinstate it for him. When I refer to what Mr C and/or Barclays said or did, it should also be taken to include things said or done on their behalf. ... (3 pages)View decision -
Decision Reference DRN-6040234
10 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6040234 The complaint Mr D complains that Barclays Bank UK Plc trading as Tesco Bank (‘Tesco’) reported arrears to his credit file instead of a default. He’s unhappy he’s had no means to monitor and manage his account. Mr D wants Tesco to amend his credit file and pay him compensat... (2 pages)View decision -
Decision Reference DRN-5945256
10 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5945256 The complaint Ms K complains about a claim she made to Barclays Bank UK PLC trading as Tesco Bank (‘TB’). What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my role resolving disputes with... (5 pages)View decision -
Decision Reference DRN-6141990
10 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6141990 The complaint Mr H and Mrs H’s complaint is, in essence, that Shawbrook Bank Ltd (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) d... (11 pages)View decision -
Decision Reference DRN-5889288
10 Feb 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5889288 The complaint Mr F has complained about information recorded on his credit file by Bank of Scotland plc trading as Halifax. What happened Mr F held a current account with an arranged overdraft limit of £1,650. In December 2024, Halifax applied its daily overdraft charge, whi... (3 pages)View decision -
Decision Reference DRN-5946993
10 Feb 2026 Everyday Lending Limited Not upheldConsumer CreditDRN-5946993 The complaint Miss I has complained that Everyday Lending Limited, trading as Evlo, were irresponsible in providing her with three loans, between November 2022 and May 2025. What happened Evlo provided Miss I with the following loans: Loan amount Date Monthly repayments Term... (3 pages)View decision -
Decision Reference DRN-6113463
10 Feb 2026 Santander UK Plc Not upheldMortgagesDRN-6113463 The complaint Mr K complains that Santander UK Plc reported him to CIFAS, a fraud protection database, in connection with a mortgage application. What happened Mr K and his wife applied jointly for a mortgage with Santander. They say they applied through a broker, who submit... (3 pages)View decision -
Decision Reference DRN-6013352
10 Feb 2026 Bank of Scotland Plc UpheldBanking and PaymentsDRN-6013352 The complaint Miss E complains that Bank of Scotland plc trading as Halifax (Halifax) acted irresponsibly in granting her a personal current account overdraft, and in increasing its limit, as it was unaffordable for her. Miss E also complains that Halifax failed to support h... (4 pages)View decision -
Decision Reference DRN-5904314
10 Feb 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5904314 The complaint Miss R complains that Monzo Bank Ltd acted irresponsibly by providing her with a Flex credit card. What happened In August 2022, Monzo approved Miss R’s application for a Flex credit card, giving her a limit of £500. Miss R’s limit was increased and decreased ... (3 pages)View decision -
Decision Reference DRN-5184021
10 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5184021 The complaint Mrs H’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 Credi... (18 pages)View decision