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
-
Decision Reference DRN-6091021
10 Feb 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6091021 The complaint Mr R complains about a missing payment he sent from his account, held with HSBC UK Bank Plc trading as first direct. He also complains about the general service he received while trying to trace the payment. What happened Prior to a holiday abroad, Mr R sent th... (2 pages)View decision -
Decision Reference DRN-5869932
10 Feb 2026 Paragon Bank Plc Not upheldMortgagesDRN-5869932 The complaint Mr and Mrs M have complained about a secured (second charge) loan they hold. They say they’re not challenging the existence of the original loan; they’re just challenging the right of Paragon Bank Plc to enforce it without demonstrating legal title or complianc... (6 pages)View decision -
Decision Reference DRN-5996021
10 Feb 2026 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5996021 The complaint Mr G is unhappy OAKBROOK FINANCE LIMITED trading as Finio Loans provided him with three loans that were unaffordable. What happened Oakbrook provided Mr G with four loans: • Loan one in February 2022 for £2,000. This was due to be repaid in 12 monthly instalm... (4 pages)View decision -
Decision Reference DRN-5947148
10 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5947148 The complaint Mr C complains that Barclays Bank UK PLC trading as Barclaycard irresponsibly lent to him. What happened Mr C was approved for a Barclaycard credit card in July 2016, with a £1,000 credit limit. The credit limit was increased in August 2017 (to £1,500), in Apri... (4 pages)View decision -
Decision Reference DRN-6127718
10 Feb 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6127718 The complaint Mr Y complains that Monzo Bank Ltd won’t reimburse him the money he lost to a scam. Mr Y brings his complaint to us with the assistance of a professional representative. For ease I’ll refer to their submissions as being from Mr Y. What happened In mid-2025 Mr Y... (3 pages)View decision -
Decision Reference DRN-6141203
10 Feb 2026 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-6141203 The complaint Mr M complains that The Royal Bank of Scotland Plc (RBS) won’t refund the money he lost to a romance investment scam. Mr M is represented in this complaint, but I’ll refer to him as it’s his complaint. What happened The detailed background to this complaint is... (8 pages)View decision -
Decision Reference DRN-6080159
10 Feb 2026 PayPal UK Ltd Not upheldBanking and PaymentsDRN-6080159 The complaint Mr A complains PayPal UK Ltd suspended his account, wouldn’t let him take out the money he had there and won’t close the account. What happened PayPal contacted Mr A and asked for proof of his identity. PayPal limited, or suspended, Mr A’s account. Mr A had a... (3 pages)View decision -
Decision Reference DRN-6068343
10 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6068343 The complaint Ms M’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (the ‘Lender’) acted unfairly and unreasonably by being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act... (12 pages)View decision -
Decision Reference DRN-6052807
10 Feb 2026 Lendable Ltd Not upheldBanking and PaymentsDRN-6052807 The complaint Ms C complains that Lendable Ltd trading as Zable irresponsibly lent to her. What happened Ms C was approved for a Zable credit card in September 2022, with a £500 credit limit. Ms C says that Zable irresponsibly lent to her, and she made a complaint to Zable, ... (2 pages)View decision -
Decision Reference DRN-6023202
10 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6023202 The complaint Mr S complains about the way that NewDay Ltd (‘NewDay’) trading as AO Finance allocated payments to his account which he says has caused him financial loss. What happened Mr S had a rolling credit account with NewDay from which he could purchase goods from a bu... (3 pages)View decision