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-6091432
23 Jan 2026 Motability Operations Limited Not upheldConsumer CreditDRN-6091432 The complaint Mr D complains about a car supplied under a hire agreement, provided by Motability Operations Limited. What happened Around February 2025 Mr D acquired a new electric car under a hire agreement with Motability. Mr D paid an initial rental of £5,495. Unfortunat... (3 pages)View decision -
Decision Reference DRN-6095284
23 Jan 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6095284 The complaint Mrs M’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 unfair credit relationships with her under Section 140A of the Consumer Credit ... (13 pages)View decision -
Decision Reference DRN-5861189
23 Jan 2026 Tide Platform Limited Not upheldBanking and PaymentsDRN-5861189 The complaint A company I’ll refer to as P complains Tide Platform Limited have declined to reimburse them for a transaction they say they didn’t agree to. They’d like the funds returned to them. P is represented by their director, Mr O. What happened The background to this... (2 pages)View decision -
Decision Reference DRN-6095277
23 Jan 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6095277 The complaint Mr M’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 them under Section 140A of the Consumer Credi... (13 pages)View decision -
Decision Reference DRN-5913552
23 Jan 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5913552 The complaint Mrs K complains that Clydesdale Bank Plc trading as Virgin Money have irresponsibly lent to her. What happened Mrs K was approved for a Virgin Money credit card in October 2019, with a £11,800 credit limit. The credit limit was increased to £16,800 in March 202... (3 pages)View decision -
Decision Reference DRN-6006182
23 Jan 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6006182 The complaint Mr A complains that Monzo Bank Ltd won’t refund the full amount of money he 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 the submissions of both pa... (2 pages)View decision -
Decision Reference DRN-6100523
23 Jan 2026 Loans 2 Go Limited UpheldConsumer CreditDRN-6100523 The complaint Ms E complains that Loans 2 Go Limited (Loans 2 Go) irresponsibly entered into a fixed sum loan agreement with her that she could not afford to repay. Ms E is supported in bringing this complaint by a representative. But, for ease, I’ll refer to actions and su... (4 pages)View decision -
Decision Reference DRN-6021682
23 Jan 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6021682 The complaint Miss A complains that Revolut Ltd won’t refund the full amount of money 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 the submissions of both pa... (2 pages)View decision -
Decision Reference DRN-5835582
23 Jan 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5835582 The complaint Ms J is unhappy that Lloyds Bank PLC (‘Lloyds’) won’t reimburse her after she reported being the victim of a scam. What happened Both parties are aware of the facts of what happened so I will provide a brief summary. In 2021, Ms J saw an advert online for an in... (4 pages)View decision -
Decision Reference DRN-5987009
23 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5987009 The complaint Mr C complains that Vanquis Bank Limited irresponsibly lent to him. What happened Mr C was approved for a Vanquis credit card in February 2021, with a £1,000 credit limit. The credit limit was increased to £1,750 in April 2022. Mr C says that Vanquis irresponsi... (4 pages)View decision