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
-
Decision Reference DRN-5976322
6 Feb 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-5976322 The complaint Mr G complains Santander UK PLC (“Santander”) refuses to refund him for a transaction he made while being blackmailed. What happened The facts of this case are well known to both parties, so I won’t repeat them in detail here. In short, Mr G says Santander shou... (2 pages)View decision -
Decision Reference DRN-5845068
6 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5845068 The complaint C complains that Revolut Ltd won’t refund money they say they lost when victims of a purchase scam. The details of this complaint are well known to both parties. So, if there’s a submission I’ve not addressed; it isn’t because I’ve ignored the point. It’s simpl... (4 pages)View decision -
Decision Reference DRN-5952783
6 Feb 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5952783 The complaint Miss M says Monzo Bank Ltd (“Monzo”) failed to protect her from financial harm when she fell victim to a scam. What happened The facts of this complaint are well known to both parties, so I won’t repeat them in detail here. In short, Miss M says she fell victim... (3 pages)View decision -
Decision Reference DRN-5952844
6 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5952844 The complaint Miss M says Revolut Ltd (“Revolut”) failed to protect her from financial harm when she fell victim to a scam. What happened The facts of this complaint are well known to both parties, so I won’t repeat them in detail here. In short, Miss M says she was contacte... (4 pages)View decision -
Decision Reference DRN-5959292
6 Feb 2026 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5959292 The complaint Mr and Mrs A complain HSBC UK Bank Plc (“HSBC”) has declined to offer them a refund after they fell victim to a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat everything in detail again here. However, I und... (6 pages)View decision -
Decision Reference DRN-5885827
6 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5885827 The complaint Mr P’s complaint is, in essence, that Mitsubishi HC Capital UK Plc trading as Novuna Personal 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 Act 1974 ... (11 pages)View decision -
Decision Reference DRN-6129342
6 Feb 2026 FIRST RESPONSE FINANCE LIMITED UpheldConsumer CreditDRN-6129342 The complaint Mrs B complains that a car supplied to her under a hire purchase agreement with FIRST RESPONSE FINANCE LIMITED (First Response) was of an unsatisfactory quality. Reference to Mrs B and First Response include their representatives. What happened I issued a prov... (9 pages)View decision -
Decision Reference DRN-6109569
6 Feb 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6109569 The complaint Miss M complains that Lloyds Bank PLC (“Lloyds”) unfairly took the decision to close her account due to raising a number of valid disputed transactions and failed to take into consideration her vulnerabilities. What happened Following review of Miss M’s accoun... (3 pages)View decision -
Decision Reference DRN-6134436
6 Feb 2026 Tandem Bank Limited UpheldConsumer CreditDRN-6134436 The complaint Mr H complaint is, in essence, that Tandem Bank Limited 1 (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding ag... (13 pages)View decision -
Decision Reference DRN-5539101
6 Feb 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-5539101 The complaint Mr M complains Santander UK PLC (“Santander”) refuses to refund him for transactions on his account he says were unauthorised. What happened The facts of this complaint are well known to both parties, so I won’t repeat them in detail here. In short, Mr M compla... (2 pages)View decision