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-6060255
10 Feb 2026 TSB Bank plc Not upheldBanking and PaymentsDRN-6060255 The complaint The estate of Mr M complains about TSB Bank plc in that they gave access to Mr M’s accounts when they should not have done, As a result, there has been significant inconvenience and consequences. The complaint is brought by a representative of the estate, a rel... (3 pages)View decision -
Decision Reference DRN-5851145
10 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5851145 The complaint Mrs K is the sole director of a company which I’ll refer to as G. Mrs K complains on G’s behalf that Revolut Ltd is holding G liable for payments which she says were unauthorised. What happened The details of this complaint are well known to both parties. So, r... (2 pages)View decision -
Decision Reference DRN-6094320
10 Feb 2026 Clydesdale Bank Plc UpheldMortgagesDRN-6094320 The complaint Mr L complains that Clydesdale Bank Plc trading as Virgin Money (VM) recorded a marker against him with Cifas, a fraud prevention agency, in connection with a mortgage application. What happened In February 2024 Mr L applied to VM through a broker for a buy-to-... (2 pages)View decision -
Decision Reference DRN-6055104
10 Feb 2026 Chetwood Financial Limited Not upheldConsumer CreditDRN-6055104 The complaint Mrs C complains that Chetwood Financial Limited trading as BetterBorrow (and referred to in this decision as BetterBorrow) lent to her irresponsibly. She complains BetterBorrow didn’t do enough to check the lending would be affordable for her. Background Bette... (6 pages)View decision -
Decision Reference DRN-6039140
10 Feb 2026 Metro Bank PLC Not upheldBanking and PaymentsDRN-6039140 The complaint C, a limited company, complains that Metro Bank PLC failed to cancel an application for a business account when instructed to. The account was opened and entered its unarranged overdraft, leading to adverse information on C’s credit file. What happened Miss M, ... (3 pages)View decision -
Decision Reference DRN-6031049
10 Feb 2026 Skyline Direct Limited UpheldConsumer CreditDRN-6031049 The complaint Mr C complains that Skyline Direct Limited (“Skyline”) provided him with loans he couldn’t afford to repay and Skyline would’ve known that had it carried out proportionate checks. What happened A summary of Mr C’s borrowing can be found below. loan number loa... (4 pages)View decision -
Decision Reference DRN-5888970
10 Feb 2026 Skrill Limited Not upheldBanking and PaymentsDRN-5888970 The complaint Miss Y complains that Skrill Limited (Skrill) closed her account without notice and won’t release the funds that remain. What happened Miss Y opened an account with Skrill on 1 May 2025. Following an internal review, Skrill decided to close Miss Y’s account on ... (2 pages)View decision -
Decision Reference DRN-5954474
10 Feb 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5954474 The complaint Mr B complains that HSBC UK Bank Plc (HSBC) closed multiple accounts he held without him receiving notice or being given an opportunity to rectify anything. He also complains about the process of receiving cheques for the amounts remaining within the accounts f... (3 pages)View decision -
Decision Reference DRN-6140806
10 Feb 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-6140806 The complaint Mr S complains Barclays Bank UK PLC unfairly closed his accounts, failed to refund multiple direct debits, and provided poor customer service. He wants a refund of the direct debits and compensation for the losses he says he experienced. What happened Mr S held... (4 pages)View decision -
Decision Reference DRN-5910386
10 Feb 2026 Gain Credit LLC Not upheldConsumer CreditDRN-5910386 The complaint Mr L complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) gave him loans without carrying out sufficient affordability checks. Had better checks been made than it would’ve seen he couldn’t afford to take on further borrowing due to his ex... (3 pages)View decision