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-5957553
9 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5957553 The complaint Mr H’s complaint is, in essence, that Mitsubishi HC Capital UK PLC, trading as Hitachi Capital Consumer Finance (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under section 140A of the Consumer Credit... (13 pages)View decision -
Decision Reference DRN-5948391
9 Feb 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5948391 The complaint Mr P is unhappy that Barclays Bank UK PLC, trading as Tesco Bank, restricted his account after he had confirmed to them that an attempted transaction that they’d held concerns about was legitimate. What happened Mr P tried to make a payment using his Tesco cred... (3 pages)View decision -
Decision Reference DRN-6099664
9 Feb 2026 The Mortgage Works (UK) Plc Not upheldMortgagesDRN-6099664 The complaint E – a limited company – complains that The Mortgage Works (UK) Plc (TMW) unfairly cancelled an application for a further advance on a buy to let mortgage. What happened In 2022, E took out a buy to let mortgage with TMW. In 2025, it applied for a further advanc... (2 pages)View decision -
Decision Reference DRN-6138350
9 Feb 2026 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-6138350 The complaint Mrs S complains that HSBC UK Bank Plc unfairly failed to release her from a personal guarantee she gave for a limited company. What happened Mrs S was a co-director and co-owner of a limited company, which I’ll call J. She ran the company with her partner (in b... (3 pages)View decision -
Decision Reference DRN-6101307
9 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6101307 The complaint Mr G and Miss R 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’). What... (6 pages)View decision -
Decision Reference DRN-5910658
9 Feb 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldConsumer CreditDRN-5910658 The complaint Mrs C complains National Westminster Bank Public Limited Company irresponsibly provided her with a personal loan. What happened NatWest has provided Mrs C with several lending products since around 2008. My decision here deals with a loan of £12,000 provided in... (3 pages)View decision -
Decision Reference DRN-6139201
9 Feb 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-6139201 The complaint Mr P complains that when opening a savings account, Santander UK Plc (Santander) didn’t inform him that he wouldn’t be able to access the funds for a fixed period. What happened Mr P opened a 12-month fixed term savings account with Santander in branch and dep... (2 pages)View decision -
Decision Reference DRN-6139244
9 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6139244 The complaint Mr H and Mrs H’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 (... (9 pages)View decision -
Decision Reference DRN-6138911
9 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6138911 The complaint Mr D’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 Credit... (11 pages)View decision -
Decision Reference DRN-5936539
9 Feb 2026 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-5936539 The complaint A limited company, which I’ll refer to as ‘H’, complains that American Express Services Europe Limited (“AmEx”) reduced the credit limit on its account. H’s complaint is brought to this service by its director, whom I’ll refer to as ‘Miss G’. What happened H ha... (3 pages)View decision