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-6137608
9 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6137608 The complaint Miss C and Miss C’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’) an... (7 pages)View decision -
Decision Reference DRN-6137592
9 Feb 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6137592 The complaint Mr K complains that Bank of Scotland plc, trading as Halifax, won’t refund the money he lost as a result of a job scam. Mr K is represented in this complaint, but I’ll refer to him as it’s his complaint. What happened The detailed background to this complaint ... (5 pages)View decision -
Decision Reference DRN-6005819
9 Feb 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-6005819 The complaint Mr B says Zopa Bank Limited (Zopa) were unreasonable to default his finance agreement and seek to repossess a car he had been leasing with them. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief... (2 pages)View decision -
Decision Reference DRN-6001896
9 Feb 2026 Countrywide Principal Services Limited Not upheldMortgagesDRN-6001896 The complaint This complaint is about advice Mr A sought from Countrywide Principal Services Limited about raising funds to comply with a court order requiring him to buy out his ex-wife’s interest in the former matrimonial home. He says that delays and errors in the advice ... (2 pages)View decision -
Decision Reference DRN-6130980
9 Feb 2026 Savvy Loan Products Limited Not upheldConsumer CreditDRN-6130980 The complaint Mr S complains Savvy Loan Products Limited trading as Tick Tock Loans (“Tick Tock”) gave him a loan without carrying out sufficient affordability checks. Had better checks been made it would’ve seen his income fluctuated and so this loan was unaffordable. What... (3 pages)View decision -
Decision Reference DRN-5967893
9 Feb 2026 Quidie Limited Not upheldConsumer CreditDRN-5967893 The complaint Miss B complains that Quidie Limited trading as Fernovo (“Quidie”) provided her with a loan without carrying out sufficient affordability checks. What happened Quidie advanced one loan of £250 to Miss B in July 2023. monthly payments of £90.22 followed by a fi... (4 pages)View decision -
Decision Reference DRN-6137511
9 Feb 2026 Gain Credit LLC Not upheldConsumer CreditDRN-6137511 The complaint Mr K 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 Lending Stream would’ve realised he was already in financial difficulties. What ha... (5 pages)View decision -
Decision Reference DRN-5924758
9 Feb 2026 Gain Credit LLC Not upheldConsumer CreditDRN-5924758 The complaint Mr S 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 the loans. What happened A summar... (4 pages)View decision -
Decision Reference DRN-5909316
9 Feb 2026 PDL Finance Limited Not upheldConsumer CreditDRN-5909316 The complaint Miss D complains PDL Finance Limited trading as Mr Lender (“Mr Lender”) gave her loans which weren’t affordable. This led to her struggling to repay what she had borrowed. What happened A summary of Miss D’s borrowing can be found below. loan number loan amou... (3 pages)View decision -
Decision Reference DRN-6046847
9 Feb 2026 Gain Credit LLC Not upheldConsumer CreditDRN-6046847 The complaint Mr T 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 then it would’ve seen Mr T was stuck in a cycle of borrowing. What happened A summ... (5 pages)View decision