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-6128741
4 Feb 2026 First Holiday Finance Ltd Not upheldConsumer CreditDRN-6128741 The complaint Mr and Mrs J’s complaint is, in essence, that First Holiday Finance Ltd (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 ... (11 pages)View decision -
Decision Reference DRN-6118658
4 Feb 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6118658 The complaint Mr A is unhappy that a car supplied to him under a conditional sale agreement with Moneybarn No.1 Ltd was of an unsatisfactory quality. What happened Mr A is unhappy that a car supplied to him under a conditional sale agreement with Moneybarn No.1 Ltd was of a... (3 pages)View decision -
Decision Reference DRN-6020763
4 Feb 2026 Revolut Ltd UpheldBanking and PaymentsDRN-6020763 The complaint Ms F is the director of a limited company that I shall refer to as E. Ms F has complained, on E’s behalf, that Revolut Ltd did not refund money E lost to a scam. What happened On 11 September 2023, Ms F received a call from someone she now knows was a scammer. ... (6 pages)View decision -
Decision Reference DRN-5994784
4 Feb 2026 PDL Finance Limited Not upheldConsumer CreditDRN-5994784 The complaint Mrs C complains PDL Finance Limited trading as Mr Lender (“Mr Lender”) gave her a loan without carrying out sufficient affordability checks. What happened Mrs C was granted an instalment loan of £300 in May 2024. She was due to make six variable decreasing mon... (3 pages)View decision -
Decision Reference DRN-5912468
4 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5912468 The complaint Mr D and Mrs D’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 (... (13 pages)View decision -
Decision Reference DRN-6082157
4 Feb 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-6082157 The complaint I’m not upholding this complaint. So, I’m not asking Vanquis Bank Limited to do anything to put things right. I’ll explain why I say that below. Vanquis Bank Limited provided Miss L with a credit card in 2018 with a limit of £1,000. Subsequently the limit was ... (3 pages)View decision -
Decision Reference DRN-5994954
4 Feb 2026 Creation Consumer Finance Limited Not upheldConsumer CreditDRN-5994954 The complaint Mr J doesn’t think he owes anything else under a finance agreement he has with CREATION CONSUMER FINANCE LIMITED (Creation), he thinks the agreement was mis-sold and that they’ve been slow to respond. Mr J has been represented by his mother but for ease, and as... (2 pages)View decision -
Decision Reference DRN-6121578
4 Feb 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-6121578 The complaint Miss A complains Clydesdale Bank Plc trading as Virgin Money (Virgin Money) didn’t sufficiently check she could sustain the repayments for a revolving credit facility. What happened Around March 2025 Miss A made an on-line application for a revolving credit fac... (3 pages)View decision -
Decision Reference DRN-6046478
4 Feb 2026 TSB Bank plc Not upheldBanking and PaymentsDRN-6046478 The complaint Mr B complains that TSB Bank plc (“TSB”) hasn’t protected him from losing money to scam. What happened The background to this complaint is well known to both parties, so I won’t repeat everything here. In brief summary, Mr B has said that in 2020 and 2021 he m... (4 pages)View decision -
Decision Reference DRN-6004826
4 Feb 2026 PRA Group (UK) Limited Not upheldConsumer CreditDRN-6004826 The complaint Mr G complains PRA Group (UK) Limited have unfairly turned down his request to write off his debt with them. What happened As I understand it Mr G had a credit card account with a lender I’ll refer to as B. Mr G accumulated a debt on this account through compul... (3 pages)View decision