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-6044892
4 Feb 2026 Revolut Ltd UpheldBanking and PaymentsDRN-6044892 The complaint Mr M complains that Revolut Ltd won’t refund him for payments he made from his account that were ultimately lost to an investment scam. Mr M is being represented by professional representatives, but for ease of reading I’ll just refer to Mr M. What happened The... (6 pages)View decision -
Decision Reference DRN-5894012
4 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-5894012 The complaint Mr J complains that his credit card account he held with NewDay Ltd trading as Aqua (“Aqua”) was incorrectly sold to a third-party debt collection agency. What happened Mr J held a credit card account with Aqua, which was opened in July 2018. Mr J said he was ... (3 pages)View decision -
Decision Reference DRN-6068885
4 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6068885 The complaint Mr R complains about charges applied by Mitsubishi HC Capital UK PLC trading as Novuna Vehicle Solutions at the end of a car hire agreement. Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance was previously known as Hitachi Capital (UK) PLC. For e... (3 pages)View decision -
Decision Reference DRN-6096936
4 Feb 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6096936 The complaint Mr K complains HSBC UK Bank Plc recorded a marker against him on a fraud database. He doesn’t think it’s treated him fairly. Whilst Mr K has a representative on this case, I will refer to him in this decision, as the complaint relates to his relationship with ... (2 pages)View decision -
Decision Reference DRN-5995627
4 Feb 2026 ClearBank Limited Not upheldBanking and PaymentsDRN-5995627 The complaint N, a limited company, complains that ClearBank Limited is unfairly refusing to refund money it says it lost in an investment scam. N is being represented by a professional representative, but for ease of reading I’ll mainly refer to N. What happened The circums... (3 pages)View decision -
Decision Reference DRN-5954750
4 Feb 2026 RCI Financial Services Limited Not upheldConsumer CreditDRN-5954750 The complaint Mr H complains that a car acquired under a hire purchase agreement with RCI Financial Services trading as Nissan Financial Services (“RCI”) wasn’t of satisfactory quality when it was supplied to him. Mr H has been represented in this complaint. But for ease of... (4 pages)View decision -
Decision Reference DRN-6129999
4 Feb 2026 Shawbrook Bank Limited UpheldConsumer CreditDRN-6129999 The complaint Mr and Mrs S’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)... (16 pages)View decision -
Decision Reference DRN-5853519
4 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-5853519 The complaint Mr S complains that NewDay Ltd won’t refund money he lost when he was the victim of a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat everything again here. In summary Mr S paid a company for a hair transpl... (3 pages)View decision -
Decision Reference DRN-5960483
4 Feb 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5960483 The complaint Mr H is unhappy that deductions were taken from an international bank transfer via his HSBC UK Bank Plc account. What happened Mr H made a transfer of over $35,000 through HSBC to purchase some goods. Despite selecting to pay any fees on top of the transaction,... (3 pages)View decision -
Decision Reference DRN-6091629
4 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6091629 The complaint Mr V is being represented by a claims manager. He’s complaining about Revolut Ltd because it declined to refund money he lost as a result of fraud. What happened Sadly, Mr V lost money to a cruel job scam after he was approached online and offered work posting ... (3 pages)View decision