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-6134962
6 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6134962 The complaint Mr 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 (2)... (2 pages)View decision -
Decision Reference DRN-5795720
6 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5795720 The complaint Miss H complains that Barclays Bank UK PLC (“Barclays”) won’t refund her money, which she believes she has lost to a scam. What happened The background to this complaint is well known to all parties, so I won’t repeat it all in detail here. But in summary, I u... (3 pages)View decision -
Decision Reference DRN-5999455
6 Feb 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5999455 The complaint Ms B complains that Clydesdale Bank Plc trading as Virgin Money have a technical fault with their app. What happened Ms B uses the ‘savings pot’ feature on the Virgin app which allows her to display the money in her savings account against different savings goa... (2 pages)View decision -
Decision Reference DRN-5895876
6 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5895876 The complaint Miss T is complaining that Revolut Ltd hasn’t refunded payments that were made when she fell victim to a scam. What happened Both parties are familiar with the circumstances of the complaint so I’ll only summarise them briefly here. Miss T received a call from ... (3 pages)View decision -
Decision Reference DRN-6135419
6 Feb 2026 Starling Bank Limited UpheldBanking and PaymentsDRN-6135419 The complaint Ms B complains Starling Bank Limited didn’t do enough when a member of the public called to say they’d found her lost wallet. What happened Ms B has an account with Starling Bank with a debit card. In February 2025 Ms B lost her wallet – containing her Starling... (2 pages)View decision -
Decision Reference DRN-6132887
6 Feb 2026 Fairscore Ltd UpheldConsumer CreditDRN-6132887 The complaint Mr C complains that Fairscore Ltd trading as Updraft was irresponsible in its lending to him. What happened Mr C was provided with three loans by Updraft. He raised a complaint with Updraft about the second and third loans provided in September 2024, and Januar... (5 pages)View decision -
Decision Reference DRN-5743148
6 Feb 2026 State Bank Of India (UK) Limited UpheldBanking and PaymentsDRN-5743148 The complaint Ms and Mr V complain State Bank of India (UK) Limited (SBI) won’t refund transactions made on their account which they did not authorise. Ms V holds the account in question jointly with her son, Mr V. What happened Ms and Mr V dispute two withdrawals totallin... (4 pages)View decision -
Decision Reference DRN-5836745
6 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5836745 The complaint Mr S complains Revolut Ltd (“Revolut”) failed to protect him from financial harm when he fell victim to a scam. What happened The facts of this complaint are well known to both parties, so I do not need to repeat them in detail here. In short, Mr S says Revolut... (3 pages)View decision -
Decision Reference DRN-6024168
6 Feb 2026 Amplifi Capital (U.K.) Limited UpheldConsumer CreditDRN-6024168 The complaint Mr P complains that Amplifi Capital (U.K.) Limited trading as Reevo Money was irresponsible in its lending to him. What happened Mr P was provided with a £5,000 loan by Reevo Money in May 2025. Mr P was required to make 34 monthly repayments of £222.07 and a fi... (3 pages)View decision -
Decision Reference DRN-5849503
6 Feb 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5849503 The complaint Mr F complains that HSBC UK Bank Plc provided him with an unaffordable credit card. What happened HSBC provided Mr F with a credit card with a limit of £4,000 in January 2018. HSBC has said the credit limit was never increased. Mr F complained to HSBC in April... (4 pages)View decision