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
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Decision Reference DRN-6079989
17 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6079989 The complaint Mr N complains that Barclays Bank UK PLC (Barclays, hereinafter) hasn’t refunded the losses he’s incurred when placing bets through an overseas gambling website, which he claims is a scam. What happened The facts are well known to both parties, so I have outl... (7 pages)View decision -
Decision Reference DRN-6079969
17 Feb 2026 Capital One (Europe) plc UpheldBanking and PaymentsDRN-6079969 The complaint Mr N complains that Capital One (Europe) plc (Capital One, hereinafter) hasn’t refunded the losses he’s incurred when placing bets through an overseas gambling website, which he claims is a scam. What happened The facts are well known to both parties, so I ha... (7 pages)View decision -
Decision Reference DRN-6142407
17 Feb 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-6142407 The complaint Mrs R complains that National Westminster Bank Public Limited Company provided her with an unaffordable overdraft facility. What happened NatWest provided Mrs R with an overdraft facility on the terms set out in the table below: Date Event Credit limit October... (4 pages)View decision -
Decision Reference DRN-6021444
17 Feb 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-6021444 The complaint Mr W complains about the way in which Vanquis Bank Limited allocate payments to his account. What happened Mr W is unhappy with how Vanquis has allocated payments made to his account. He says he’s made payments on time, but Vanquis hasn’t allocated them correct... (2 pages)View decision -
Decision Reference DRN-6078149
17 Feb 2026 Lex Autolease Ltd Not upheldConsumer CreditDRN-6078149 The complaint Mr Z complains that Lex Autolease Ltd (LA), shouldn’t have paid a parking fine issued on a car he was leasing through them. I can see Mr Z has raised another complaint about a second parking charge which is being investigated separately. This decision will not ... (2 pages)View decision -
Decision Reference DRN-6160584
17 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6160584 The complaint Mr and Mrs M’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to unfair credit relationships with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) d... (9 pages)View decision -
Decision Reference DRN-6005267
17 Feb 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6005267 The complaint Mr H complains HSBC UK Bank Plc has refused to accept a foreign cheque he attempted to pay into his account without giving any clear reason. He also complains that his account was suspended. What happened Mr H opened an account with HSBC in August 2025 and subs... (2 pages)View decision -
Decision Reference DRN-5856294
17 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5856294 The complaint Mr W is unhappy that Revolut Ltd won’t reimburse money he lost to a scam. Mr W is professionally represented in bringing his complaint, but for ease of reading, I’ll refer to all submissions as being made by Mr W directly throughout this decision. What happen... (4 pages)View decision -
Decision Reference DRN-6144994
17 Feb 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6144994 The complaint B, a limited company, complains HSBC UK Bank plc unreasonably closed their accounts without any explanation. They saw this was the result of the unlawful sharing of information. They’d like the account reopened and compensation. What happened B held an account... (2 pages)View decision -
Decision Reference DRN-6159374
17 Feb 2026 BMW Financial Services (GB) Limited UpheldConsumer CreditDRN-6159374 The complaint Mr H complains that BMW FINANCIAL SERVICES (GB) LIMITED trading as BMW Financial Services (who I’ll call BMWFS) haven’t explained how they calculated an early settlement. What happened I issued a provisional decision on this complaint last month. An extract fro... (4 pages)View decision