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 179155 results
-
Decision Reference DRN-5948197
16 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-5948197 The complaint NewDay Ltd trading as Marbles provided Mr L with a credit card on 20 November 2017. It had a credit limit of £300 which didn’t change. Mr L says Marbles acted irresponsibly when it gave him the card. What happened The details of this complaint are well-known t... (2 pages)View decision -
Decision Reference DRN-6020480
16 Feb 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6020480 The complaint Miss C has complained that NewDay Ltd were irresponsible in providing her with two Aqua credit cards and increasing the credit limit on one of the cards. What happened In January 2023, NewDay provided Miss C with an Aqua credit card, account ending 551, with a... (3 pages)View decision -
Decision Reference DRN-5901262
16 Feb 2026 Mercedes-Benz Financial Services UK Limited Not upheldConsumer CreditDRN-5901262 The complaint Miss B complains about charges she has been asked to pay by Mercedes-Benz Financial Services UK Limited (‘MBFS’) since she returned the car she was financing through an agreement with them. What happened The detailed background to this complaint is well known ... (3 pages)View decision -
Decision Reference DRN-6020219
16 Feb 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-6020219 The complaint Mr B complains that Wise Payments Limited didn’t initiate chargebacks on some payments he has disputed and it has cancelled his debit card. What happened The circumstances surrounding Mr B’s complaint are well known to the parties, so I haven’t set them out in ... (3 pages)View decision -
Decision Reference DRN-6137900
16 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6137900 The complaint Mr L and Mrs L’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 (... (12 pages)View decision -
Decision Reference DRN-6138524
16 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6138524 The complaint Mr L’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 him under section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding... (11 pages)View decision -
Decision Reference DRN-6155833
16 Feb 2026 PROPEL HOLDINGS (UK) LIMITED Not upheldConsumer CreditDRN-6155833 The complaint Ms B complains that PROPEL HOLDINGS (UK) LIMITED trading as Quidmarket (“Quidmarket”) gave her loans without carrying out sufficient affordability checks. What happened Ms B’s borrowing can be found below. loan number loan amount agreement date repayment date... (4 pages)View decision -
Decision Reference DRN-6155687
16 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6155687 The complaint Mrs S and Mr L say Shawbrook Bank Limited (‘Shawbrook’) has unfairly declined their claim under section 75 of the Consumer Credit Act 1974 (‘CCA’). And they say their creditor- debtor relationship with Shawbrook was unfair to them under section 140A of the CCA.... (4 pages)View decision -
Decision Reference DRN-6155616
16 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6155616 The complaint Mr and Mrs E’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)... (10 pages)View decision -
Decision Reference DRN-5946468
16 Feb 2026 PDL Finance Limited Not upheldConsumer CreditDRN-5946468 The complaint Mr C complains that PDL Finance Limited trading as Mr Lender lent to him irresponsibly. Mr C says that the interest rates were too high. What happened Here is a brief table to show the lending relationship. Loan Approved Amount Repayment (variable sums) Repaid/... (3 pages)View decision