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-5993329
22 Jan 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5993329 The complaint Mr N is seeking to recover £2,000 from Revolut Ltd (“Revolut”), for three payments he transferred to an individual. Mr N says he paid for services that were not provided and he now feels it was a scam What happened I’m not going to cover all the points raised i... (3 pages)View decision -
Decision Reference DRN-5817776
22 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5817776 The complaint Miss L complains that Vanquis Bank Limited irresponsibly lent to her. What happened Miss L was approved for a Vanquis credit card in October 2024, with a £2,000 credit limit. Miss L says that this was irresponsibly lent to her. Miss L made a complaint to Vanqui... (2 pages)View decision -
Decision Reference DRN-5822055
22 Jan 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5822055 The complaint Ms J complains that Revolut Ltd won’t refund money she 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 2025 Ms J saw an investment advert on social media for a firm ... (4 pages)View decision -
Decision Reference DRN-5832491
22 Jan 2026 Gain Credit LLC UpheldConsumer CreditDRN-5832491 The complaint Miss M complains Gain Credit LLC trading as Lending Stream lent to her irresponsibly. Miss M complains that the service she received from Lending Stream was poor. What happened Miss M took nine loans with Lending Stream between October 2020 and 26 August 2024. ... (2 pages)View decision -
Decision Reference DRN-5822838
22 Jan 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-5822838 The complaint Mrs H complains that Zopa Bank Limited (Zopa) irresponsibly lent to her. She says Zopa gave her two loans, which were unaffordable. What happened Mrs H’s application for a Zopa loan of £13,000, with monthly repayments of £472.03, over a term of 36 months, was ... (6 pages)View decision -
Decision Reference DRN-5849948
22 Jan 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldBanking and PaymentsDRN-5849948 The complaint Miss D complains National Westminster Bank PLC blocked her transfer of funds whilst it carried out a review and this caused her distress and inconvenience. What happened On the morning of 20 November 2024 Miss D transferred around £14,000 from her NatWest acco... (6 pages)View decision -
Decision Reference DRN-6096929
22 Jan 2026 BMW Financial Services (GB) Limited UpheldConsumer CreditDRN-6096929 The complaint Miss D complains that a used car she acquired through a hire purchase agreement financed by BMW Financial Services (GB) Limited trading as Alphera Financial Services (‘Alphera’) is of unsatisfactory quality. Miss D is bringing the complaint with the help of he... (8 pages)View decision -
Decision Reference DRN-6053159
22 Jan 2026 Hutchison 3G UK Limited Not upheldConsumer CreditDRN-6053159 The complaint Miss D complains that after she upgraded her mobile device, Hutchison 3G UK Limited trading as Three (“Three”) continued to charge her for a fixed sum loan used to purchase the old device. What happened In April 2024, Miss D used a fixed sum loan provided by T... (2 pages)View decision -
Decision Reference DRN-6081053
22 Jan 2026 Revolut Ltd UpheldBanking and PaymentsDRN-6081053 The complaint Miss D is complaining that Revolut Ltd hasn’t refunded payments that were made from her account when she fell victim to a scam. What happened The circumstances of the scam are known to both parties, so I won’t set them out in detail here. But in short, on 15 Ma... (7 pages)View decision -
Decision Reference DRN-5956071
22 Jan 2026 Gain Credit LLC Not upheldConsumer CreditDRN-5956071 The complaint Miss B complains that Gain Credit LLC trading as Lending Stream lent to her irresponsibly. What happened Miss B took two loans from Lending Stream. Loan 1 was taken in August 2024 for £550 and paid off 28 March 2025. Loan 2 was taken in April 2025 for £1,000. I... (2 pages)View decision