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-5967592
23 Jan 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5967592 The complaint Mr S complains that HSBC UK Bank Plc won’t refund money he lost to a scam. What happened The background to this complaint is well known to both parties and so I’ll only refer to some key events here. In February 2025 Mr S came across an online advert for a trav... (4 pages)View decision -
Decision Reference DRN-5882108
23 Jan 2026 Stellantis Financial Services UK Limited UpheldConsumer CreditDRN-5882108 The complaint Stellantis Financial Services UK Limited (‘Stellantis’) provided Miss C with finance by way of a conditional sale agreement in March 2017 so that she could purchase a new car. Miss C, who is represented by a third party, says the finance was provided irresponsi... (2 pages)View decision -
Decision Reference DRN-5991421
23 Jan 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5991421 The complaint Mr G complains that Barclays Bank UK PLC won’t refund the money he lost when he was the victim of what he feels was a scam. What happened In December 2024, Mr G was looking to get some building work done on a garden shed. He searched for builders online and fo... (4 pages)View decision -
Decision Reference DRN-6058695
23 Jan 2026 Tandem Motor Finance Limited UpheldConsumer CreditDRN-6058695 The complaint Miss R complains about the quality of a used car she acquired through a hire purchase agreement with Tandem Motor Finance Limited (‘Tandem’). Miss R says that due to the car having a significant problem she should now be able to reject it. What happened Miss R... (4 pages)View decision -
Decision Reference DRN-6099462
23 Jan 2026 HSBC UK Bank Plc Not upheldMortgagesDRN-6099462 The complaint Mr P complains that HSBC UK Bank Plc unfairly declined his application to port or transfer his mortgage to another property and to take additional borrowing. What happened Mr P had a mortgage with HSBC for £254,850. The mortgage had a fixed interest rate of 2.4... (3 pages)View decision -
Decision Reference DRN-6100093
23 Jan 2026 Western Circle Ltd Not upheldConsumer CreditDRN-6100093 The complaint Mr E has complained that Western Circle Ltd trading as Cashfloat (“Cashfloat”) gave him loans without carrying out sufficient affordability checks. What happened A summary of Mr E’s borrowing can be found in the table below. loan number loan amount agreement ... (5 pages)View decision -
Decision Reference DRN-5875866
23 Jan 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5875866 The complaint W, a limited company, complains that Barclays Bank UK PLC didn’t refund the full amount it lost when it was the victim of a scam, and about the customer service it received when reporting the scam. What happened W is a limited company that deals in the sale of... (4 pages)View decision -
Decision Reference DRN-5423503
23 Jan 2026 Scott Motor Finance Ltd UpheldConsumer CreditDRN-5423503 The complaint Miss N has complained that she is unhappy with the quality of a car she acquired in February 2024, using a hire purchase agreement with Scott Motor Finance Ltd (“Scott Motor”). What happened Miss N acquired a used Fiat in February 2024, using a hire purchase a... (6 pages)View decision -
Decision Reference DRN-5810490
23 Jan 2026 Western Circle Ltd Not upheldConsumer CreditDRN-5810490 The complaint Miss V has complained that Western Circle Ltd trading as Cashfloat (“Cashfloat”) gave her a loan without carrying out sufficient affordability checks. Had better checks been made then Cashfloat would’ve seen she was already in financial difficulties. What happ... (3 pages)View decision -
Decision Reference DRN-5736855
23 Jan 2026 PROPEL HOLDINGS (UK) LIMITED Not upheldConsumer CreditDRN-5736855 The complaint Mr R complains that PROPEL HOLDINGS (UK) LIMITED trading as Quid Market (Quid Market) gave him loans which were unaffordable. What happened In total Mr R, has been advanced six loans, but the only loans he has complaint about are the ones set out in the table ... (3 pages)View decision