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-6023494
9 Feb 2026 MBNA Limited Not upheldBanking and PaymentsDRN-6023494 Complaint Mrs P has complained that MBNA Europe plc (“MBNA”) irresponsibly provided credit cards to her. She says that the credit cards were unaffordable, trapped her in a long-term cycle of debt and caused her prolonged difficulty. Background MBNA provided Mrs P with two ... (6 pages)View decision -
Decision Reference DRN-6131555
9 Feb 2026 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-6131555 Complaint Mr J complains that Blue Motor Finance Ltd (“BMF”) unfairly entered into a hire-purchase agreement with him. He’s said that the payments to this agreement were unaffordable and so he should not have been lent to. Background In August 2019, BMF provided Mr J with f... (3 pages)View decision -
Decision Reference DRN-6065306
9 Feb 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6065306 Complaint Mr M complains that Moneybarn No.1 Limited (trading as “Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable. Background In August 2022,... (3 pages)View decision -
Decision Reference DRN-6127500
9 Feb 2026 MBNA Limited Not upheldBanking and PaymentsDRN-6127500 Complaint Mrs M has complained about a credit card MBNA Limited (“MBNA”) provided to her. She says she shouldn’t have been provided with a credit card that had such a high credit limit given her income and existing debts. Background MBNA provided Mrs M with a credit card wi... (3 pages)View decision -
Decision Reference DRN-5910471
8 Feb 2026 Shire Securities Limited Not upheldBanking and PaymentsDRN-5910471 The complaint J, a limited company, complains about how it was treated by Shire Securities Limited in relation to three loans it holds with them. J is represented in bringing this complaint to us by its directors, Miss S and Mr J. What happened J borrowed different amounts f... (3 pages)View decision -
Decision Reference DRN-6072480
8 Feb 2026 CA AUTO FINANCE UK LTD UpheldConsumer CreditDRN-6072480 The complaint Mr E is unhappy with how the return of a car at the end of a personal contract purchase agreement was dealt with by CA Auto Finance UK Ltd (CAAF). When I refer to what Mr E has said and what CAAF have said, it should also be taken to include things said on the... (4 pages)View decision -
Decision Reference DRN-5959263
6 Feb 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-5959263 The complaint R, a limited company, complains Santander UK Plc gave notice in July 2025 that it planned to migrate R’s account, which is free from fees, to an account which incurs a monthly fee in October 2025. R says this is unfair as, when it opened the account, it was pro... (4 pages)View decision -
Decision Reference DRN-6117304
6 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6117304 The complaint Mr and Mrs W’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)... (11 pages)View decision -
Decision Reference DRN-6022430
6 Feb 2026 Vanquis Bank Limited UpheldBanking and PaymentsDRN-6022430 The complaint Mr C is unhappy that Vanquis Bank Limited restricted his credit card account when he tried to make a payment to the account using a different debit card which he hadn’t used before. What happened In July 2024, Mr C tried to make a payment to his Vanquis credit ... (3 pages)View decision -
Decision Reference DRN-6136630
6 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6136630 The complaint Mrs F’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 her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) ... (11 pages)View decision