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-6062624
16 Feb 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6062624 Complaint Mr T has complained about the overdraft charges HSBC UK Bank Plc (“HSBC”) applied to his current account. He’s effectively said that the overdraft was unaffordable and so he shouldn’t have been provided with it. Therefore, the charges applied to his account were un... (5 pages)View decision -
Decision Reference DRN-6125057
16 Feb 2026 Fairscore Ltd Not upheldConsumer CreditDRN-6125057 Complaint Mr R has complained about a loan Fairscore Ltd (“Updraft”) provided to him. He says that his existing debts meant that it was irresponsible to lend to him. Background Updraft provided Mr R with a loan for £5,500.00 in August 2022. This loan had an APR of 22.07%, t... (3 pages)View decision -
Decision Reference DRN-5877545
16 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5877545 Complaint Mr J has complained about credit cards Barclays Bank UK PLC (then trading as “Tesco Bank”) provided to him. He says that the credit cards shouldn’t have been provided as they were unaffordable for him and this led to him accruing significant debts that he was unabl... (6 pages)View decision -
Decision Reference DRN-5889484
16 Feb 2026 PayPal UK Ltd Not upheldBanking and PaymentsDRN-5889484 Complaint Miss M has complained that PayPal UK Ltd (“PayPal”) irresponsibly provided a credit account to her. She says that the credit account and should only have been offered for short term lending. Background In August 2018, PayPal provided Miss M with a credit account w... (5 pages)View decision -
Decision Reference DRN-6110888
16 Feb 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6110888 Complaint Miss A has complained about the overdraft charges Monzo Bank Ltd (“Monzo”) applied to her current account. She’s effectively said the charges applied to her account were unfair as shouldn’t have been provided the overdraft in the first place. Furthermore, there was... (5 pages)View decision -
Decision Reference DRN-5940267
15 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5940267 The complaint Mrs T’s complaint is, in essence, that Clydesdale Financial Services trading as Barclays Partner Finance, (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 ... (4 pages)View decision -
Decision Reference DRN-6154849
15 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6154849 The complaint Mrs M’s complaint is, in essence, that Clydesdale Financial Services trading as Barclays Partner Finance, (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 ... (4 pages)View decision -
Decision Reference DRN-6069204
15 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6069204 The complaint Miss M complains that Barclays Bank UK PLC (Barclays) didn’t do enough to protect her when she fell victim to a scam. Miss M is represented in this matter, but for ease of reading I will refer to Miss M throughout this decision. What happened Miss M says that a... (3 pages)View decision -
Decision Reference DRN-6154766
15 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6154766 The complaint Mr J’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 Credi... (6 pages)View decision -
Decision Reference DRN-6086007
15 Feb 2026 BMW Financial Services (GB) Limited Not upheldConsumer CreditDRN-6086007 The complaint Mr M complains that BMW FINANCIAL SERVICES (GB) LIMITED, trading as BMW Financial Services, failed to act fairly and reasonably towards him when entering into a hire purchase agreement with him. He complained that BMW didn’t disclose the commission it paid to ... (3 pages)View decision