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-5744614
9 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5744614 The complaint Mr B and Ms T 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 (2) ... (11 pages)View decision -
Decision Reference DRN-6055751
9 Feb 2026 Barclays Bank UK PLC Not upheldConsumer CreditDRN-6055751 The complaint Mr K complains Barclays Bank UK PLC trading as Tesco Bank (Tesco) unfairly defaulted his loan account. What happened Mr K says Tesco defaulted his loan account despite him agreeing a payment plan to pay off the arrears. Mr K says he received a notification from... (3 pages)View decision -
Decision Reference DRN-6114997
9 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6114997 The complaint Mr M complains that Barclays Bank UK PLC trading as Tesco Bank (Barclays) lent to him irresponsibly. What happened Mr M took out a credit card with Barclays, in September 2018. The credit limit given to Mr M was £3,200. There were no further limit increases, a... (4 pages)View decision -
Decision Reference DRN-6104015
9 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6104015 The complaint Mr and Mrs S’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 (2)... (9 pages)View decision -
Decision Reference DRN-6138971
9 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6138971 The complaint Mrs R’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 -
Decision Reference DRN-5839392
9 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5839392 The complaint Mrs B’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) deciding against paying a claim under Section 75 of the CCA and (2) being party to an unfair credit relationship with her under Section 140A of t... (20 pages)View decision -
Decision Reference DRN-6117142
9 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6117142 The complaint Mrs O is unhappy that NewDay Ltd trading as Aqua allowed her to make transactions on a gambling website on a credit card they’d supplied to her. Mrs O has been represented during the claim and complaint process by Miss G. For ease of reference, I will refer t... (3 pages)View decision -
Decision Reference DRN-6138759
9 Feb 2026 Lloyds Bank PLC UpheldBanking and PaymentsDRN-6138759 The complaint Miss K complains Lloyds Bank PLC failed to resolve a problem she was having sending a payment to the United States causing her considerable distress and inconvenience. In addition, Lloyds Bank PLC provided her with poor customer service. What happened Miss K ha... (2 pages)View decision -
Decision Reference DRN-6128082
9 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6128082 The complaint Ms A’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 Credit... (10 pages)View decision -
Decision Reference DRN-5960288
9 Feb 2026 Vodafone Limited Not upheldConsumer CreditDRN-5960288 The complaint Mr L has complained about how Vodafone Limited has administered a credit agreement linked to his phone. What happened Our Investigator set out a detailed timeline of events in their findings. So, I think it’s fair to say the parties are familiar with the backgr... (6 pages)View decision