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 185689 results
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Decision Reference DRN-5728268
24 Apr 2026 Lloyds Bank PLC UpheldBanking and PaymentsDRN-5728268 The complaint Mr W complains about information reported to credit reference agencies (CRAs) by Lloyds Bank PLC since entering into a Debt Arrangement Scheme (DAS). What happened Mr W held a credit card account with Lloyds. Due to some financial difficulty, Mr W entered into... (4 pages)View decision -
Decision Reference DRN-6317131
24 Apr 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6317131 The complaint Mr S has complained about the way NewDay Ltd trading as Marbles (‘Marbles’) dealt with his claim for money back in relation to a purchase he made using his credit card. What happened In around March 2025 Mr S has said he purchased a car, from a business I’ll c... (3 pages)View decision -
Decision Reference DRN-6262400
24 Apr 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-6262400 The complaint Mr M complains that Clydesdale Bank Plc, trading as Virgin Money, unfairly denied him a promotional credit card welcome offer. What happened Mr M opened a credit card with Virgin Money on 30 August 2025. He says he did so because he’d seen an advert for an enh... (2 pages)View decision -
Decision Reference DRN-6252356
24 Apr 2026 Fairscore Ltd UpheldConsumer CreditDRN-6252356 The complaint Mr M has complained about the way Fairscore Ltd trading as Updraft “Fairscore” defaulted two of his loan accounts. What happened All parties are familiar with the facts of this case so I’ll only briefly set them out here. Mr M’s accounts fell into arrears with... (6 pages)View decision -
Decision Reference DRN-6100935
24 Apr 2026 Fairscore Ltd Not upheldConsumer CreditDRN-6100935 The complaint Mr L is unhappy that Fairscore Ltd trading as Updraft told him his settled loan account was in arrears incorrectly. He also complains that he’s been unable to access his loan documents in the app. What happened The parties are familiar with the background of th... (4 pages)View decision -
Decision Reference DRN-6316421
24 Apr 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-6316421 The complaint Ms A has complained about the way Barclays Bank UK PLC trading as Tesco Bank (‘Tesco’) dealt with her claim for money back in relation to a purchase she made using her credit card. What happened In May 2025 Ms A purchased several items of clothes from a busine... (3 pages)View decision -
Decision Reference DRN-6285720
24 Apr 2026 Shawbrook Bank Limited UpheldConsumer CreditDRN-6285720 The complaint Mr and Mrs C 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 (2) d... (8 pages)View decision -
Decision Reference DRN-6142869
24 Apr 2026 PDL Finance Limited Not upheldConsumer CreditDRN-6142869 The complaint Mr R complains that PDL Finance Limited trading as Mr Lender (“Mr Lender”) irresponsibly provided him with a loan. What happened In August 2020 Mr R applied for a loan with Mr Lender. The application was approved, and he was given a loan for £300 to be repaid o... (3 pages)View decision -
Decision Reference DRN-6277883
24 Apr 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6277883 The complaint Mr L complains that a payment he was expecting into his Lloyds Bank Plc account wasn’t received. He further complains he was given incorrect information about the reason the funds hadn’t been received. What happened Mr L says his sister sent a payment to his Ll... (3 pages)View decision -
Decision Reference DRN-6315257
24 Apr 2026 Sumup Payments Limited UpheldBanking and PaymentsDRN-6315257 The complaint A company I’ll refer to as Z complains that SumUp Payments Limited unreasonably denied them access to merchant accounts in their name and allowed a former director to transact on the account. Z is represented Mr H, who is a director. What happened The facts o... (3 pages)View decision