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-6005222
9 Feb 2026 Volvo Car UK Limited UpheldConsumer CreditDRN-6005222 The complaint Mrs T complained about end of contract charges for a car supplied on finance by Volvo Car UK Limited (“VCUK”). What happened The circumstances of the complaint are well known to the parties, so I won’t go over everything again in detail. But, to summarise, VCU... (4 pages)View decision -
Decision Reference DRN-6102082
9 Feb 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6102082 The complaint X has complained that HSBC UK Bank Plc has behaved unfairly regarding a sum debited from X’s account, including wrongly registering a default. What happened A family member transferred EUR 43,423 to X’s account. However, due to an error by HSBC, the sum was cre... (2 pages)View decision -
Decision Reference DRN-6138806
9 Feb 2026 Nationwide Building Society UpheldConsumer CreditDRN-6138806 The complaint Miss B says Nationwide Building Society irresponsibly lent to her. What happened Miss B took out a loan for £5,000 over 48 months from Nationwide on 27 January 2025. The monthly repayments were £169.85. Miss B says she was unemployed, having lost her job on 30 ... (3 pages)View decision -
Decision Reference DRN-5956744
9 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5956744 The complaint Mr K’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 him under section 140A of the Consumer Credi... (13 pages)View decision -
Decision Reference DRN-6139410
9 Feb 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-6139410 The complaint Mr V complained about the actions and service provided by Barclays Bank UK PLC after it blocked his account access while he was travelling overseas. He feels that £300 compensation is reasonable to reflect the stress and worry he was caused. What happened On 1... (5 pages)View decision -
Decision Reference DRN-6026743
9 Feb 2026 BMW Financial Services (GB) Limited UpheldConsumer CreditDRN-6026743 The complaint Mr G complains about the quality of a car that was supplied through a motor finance agreement with BMW FINANCIAL SERVICES (GB) LIMITED trading as Alphera Financial Services (Alphera). What happened The circumstances surrounding this complaint and my initial fi... (6 pages)View decision -
Decision Reference DRN-5893118
9 Feb 2026 Lendable Ltd UpheldConsumer CreditDRN-5893118 The complaint Miss B has complained that Lendable Ltd were irresponsible in providing her with three loans, between 2018 and 2024. What happened Lendable provided Miss B with the following loans: Loan amount Date Monthly repayments Term (months) Status Loan one £2,000August ... (3 pages)View decision -
Decision Reference DRN-6137286
9 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6137286 The complaint Mr M’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 him under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) a... (12 pages)View decision -
Decision Reference DRN-6109927
9 Feb 2026 Elfin Market Ltd Not upheldBanking and PaymentsDRN-6109927 The complaint Mr L complains that Elfin Market Ltd provided poor customer service when he complained about a technical issue with its app. What happened Mr L says he was unable to make a payment via the Elfin app and raised a complaint on 28 May 2025 via email. He says that... (2 pages)View decision -
Decision Reference DRN-5953852
9 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5953852 The complaint Mr M’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 him under section 140A of the Consumer Cred... (12 pages)View decision