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-5780601
4 Feb 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5780601 The complaint Mr P complains that Barclays Bank UK PLC blocked and then closed his accounts. What happened Mr P had a current account and two savings accounts with Barclays. On 8 April 2025, Barclays removed the balances Mr P held in these accounts while it carried out a rev... (2 pages)View decision -
Decision Reference DRN-6021960
4 Feb 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6021960 The complaint Mrs and Mr D complain Bank of Scotland plc (BOS) allowed them to transfer £10,000 to an old account with a third-party bank in error and didn’t recover the funds after they reported it. What happened Both parties are aware of the issues at hand, so I won’t repe... (3 pages)View decision -
Decision Reference DRN-5931543
4 Feb 2026 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5931543 The complaint Mr U complains that OAKBROOK FINANCE LIMITED trading as Finio Loans “Oakbrook Finance” shouldn’t have defaulted his loan agreement. What happened Oakbrook Finance provided Mr U with a personal loan in October 2023, for £2,000, repayable over 24 months, with a ... (4 pages)View decision -
Decision Reference DRN-6091041
4 Feb 2026 Nationwide Building Society Not upheldBanking and PaymentsDRN-6091041 The complaint Miss S complains that Nationwide Building Society won’t refund the full amount of money she says she lost to a scam. What happened The background to this complaint is well-known to both parties, so I won’t repeat it in detail here. But in summary and based on t... (2 pages)View decision -
Decision Reference DRN-5837441
4 Feb 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-5837441 The complaint Zopa Bank Limited (‘Zopa’) provided Miss A with a hire purchase agreement to purchase a car in 2022. The car had a cash price of £8,540 and Miss A borrowed £8,499.75. The repayments were £201.53 a month over the 60 month term, and she was due to repay a total o... (2 pages)View decision -
Decision Reference DRN-6105194
4 Feb 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6105194 The complaint Mr and Mrs M complain that Lloyds Bank PLC hasn’t reimbursed all the money they lost to a scam. What happened Mr and Mrs M lost money to an investment they made in 2020. In 2023, a scammer contacted Mr and Mrs M and told them that the money they’d lost to the i... (3 pages)View decision -
Decision Reference DRN-6045803
4 Feb 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldMortgagesDRN-6045803 The complaint Mr H complains that NATIONAL WESTMINSER BANK PUBLIC LIMITED COMPANY recorded a marker against him with Cifas, a fraud prevention database, in connection with a mortgage application. What happened In 2022 Mr H says he made a general enquiry with a mortgage broke... (3 pages)View decision -
Decision Reference DRN-6008673
4 Feb 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-6008673 The complaint Mr R complains that Santander UK Plc (“Santander”) won’t refund him the money he lost, to what he believes to be an Authorised Push Payment (“APP”) investment scam. What happened The background to this complaint is well known to both parties and has been laid ... (6 pages)View decision -
Decision Reference DRN-6103643
4 Feb 2026 Creation Consumer Finance Limited Not upheldConsumer CreditDRN-6103643 The complaint Mrs K complains that Creation Consumer Finance Limited (‘Creation’) declined her credit application after saying she was approved in an eligibility checker. Mrs K wants the hard search removed from her credit file. What happened Mrs K sought to finance a store... (3 pages)View decision -
Decision Reference DRN-5884296
4 Feb 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-5884296 The complaint Ms B complains Tandem Bank Limited (the “Lender”) has failed to honour a claim under Section 75 of the Consumer Credit Act 1974 (the “CCA”) and has participated in an unfair credit relationship with her under Section 140A of the CCA. Ms B is represented in her... (12 pages)View decision