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-6128993
4 Feb 2026 Santander UK Plc UpheldBanking and PaymentsDRN-6128993 The complaint Mr and Mrs K complain that Santander UK Plc won’t refund the money they lost as a result of an investment scam. Mr and Mrs K are represented in this complaint, but I’ll refer to them as it’s their complaint. What happened The detailed background to this compla... (7 pages)View decision -
Decision Reference DRN-5986743
4 Feb 2026 Valour Finance Limited Not upheldConsumer CreditDRN-5986743 The complaint Mr B complains Valour Finance Limited trading as Savvy.co.uk (“Valour”) provided him with a loan that was unaffordable. Had further checks been made Valour would’ve seen the high levels of debt he had and he was using his overdraft. What happened Mr B was prov... (3 pages)View decision -
Decision Reference DRN-6042043
4 Feb 2026 East End Fair Finance Limited Not upheldConsumer CreditDRN-6042043 The complaint Mr B has complained that East End Fair Finance Limited trading as Fair Finance (“Fair Finance”) gave him a loan without carrying out sufficient affordability checks. Had better checks been made then Fair Finance would’ve seen he was overindebted on his credit c... (3 pages)View decision -
Decision Reference DRN-5941938
4 Feb 2026 Toyota Financial Services (UK) Plc Not upheldConsumer CreditDRN-5941938 The complaint Mr M has complained about the quality of a car provided on finance by Toyota Financial Services (UK) PLC (“TFS”). What happened Both parties are familiar with the circumstances of this complaint, so I’ll briefly summarise them here. TFS supplied Mr M with a us... (4 pages)View decision -
Decision Reference DRN-6047179
4 Feb 2026 Valour Finance Limited Not upheldConsumer CreditDRN-6047179 The complaint Miss K complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) gave her loans without carrying out sufficient affordability checks. Had better checks been made Valour would’ve realised she was already in financial difficulties. What happened A ... (4 pages)View decision -
Decision Reference DRN-5888799
4 Feb 2026 Nationwide Building Society UpheldBanking and PaymentsDRN-5888799 The complaint Mrs B and Mr S are unhappy that Nationwide Building Society (“Nationwide”) won’t refund them after they say they fell victim to a purchase scam. Mrs B made the payments from their joint account, and it was she who fell victim to the scam – so I have referred t... (5 pages)View decision -
Decision Reference DRN-5985210
4 Feb 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-5985210 The complaint Miss B’s complaint is, in essence, that Tandem Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding ... (13 pages)View decision -
Decision Reference DRN-5471104
4 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5471104 The complaint Mr S’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner 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... (8 pages)View decision -
Decision Reference DRN-6001410
4 Feb 2026 Monzo Bank Ltd Not upheldConsumer CreditDRN-6001410 The complaint Mr C complains that Monzo Bank Ltd was irresponsible in its lending to him. What happened Mr C was provided with a £15,000 loan by Monzo in August 2024. The loan term was 60 months, and Mr C was required to make 59 monthly repayments of £349 followed by a final... (3 pages)View decision -
Decision Reference DRN-6126367
4 Feb 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6126367 The complaint Mr A complains that Bank of Scotland plc, trading as Halifax, closed his account and reversed a refund of payments he said were made without his permission. What happened Mr A had a basic bank account with Halifax. Between 31 December 2024 and 8 January 2025, s... (2 pages)View decision