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-6055623
21 Jan 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-6055623 The complaint Miss S complains Clydesdale Bank PLC trading as Virgin Money (Virgin) failed to carry out thorough enough financial checks before it approved a credit card account for her. What happened Miss S says Virgin approved a credit card account for her in May 2023 with... (3 pages)View decision -
Decision Reference DRN-5764687
21 Jan 2026 My Finance Club Limited Not upheldConsumer CreditDRN-5764687 The complaint Miss W complains that My Finance Club Limited, trading as MyFinanceClub.com lent to her irresponsibly. What happened Miss W took one loan for £400 on 30 November 2023, repayable after 61 days. Miss W agreed to make one payment of £595.20 on 30 January 2025. In ... (2 pages)View decision -
Decision Reference DRN-5977471
21 Jan 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5977471 The complaint Mr M and Miss S’s 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... (13 pages)View decision -
Decision Reference DRN-6056798
21 Jan 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6056798 The complaint Mr K complains Barclays Bank UK PLC trading as Tesco Bank recorded a marker against him on a fraud database and closed his account. He doesn’t think it’s treated him fairly. Notes Mr K’s account was held with Tesco who later became part of Barclays. So, in my... (4 pages)View decision -
Decision Reference DRN-6093794
21 Jan 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6093794 The complaint Mr T’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding... (14 pages)View decision -
Decision Reference DRN-6025674
21 Jan 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6025674 The complaint Miss A complains that Bank of Scotland plc trading as Halifax made unprofessional and inappropriate comments during its calls with her. The calls were in relation to romance/friendship scams, and Miss A has explained she felt blamed and dismissed by the agent s... (2 pages)View decision -
Decision Reference DRN-5916648
21 Jan 2026 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5916648 The complaint Mr W complains that Zopa Bank Limited lent irresponsibly when it approved his credit card application and later increased the limit. What happened Mr W applied for a Zopa credit card in October 2023. In his application, Mr W said he was employed full time with... (3 pages)View decision -
Decision Reference DRN-5805935
21 Jan 2026 Tandem Motor Finance Limited Not upheldConsumer CreditDRN-5805935 The complaint Mr Z is unhappy that a car supplied to him under a hire purchase agreement with Tandem Motor Finance Ltd was of an unsatisfactory quality. What happened In August 2024, Mr Z was supplied with a used car through a hire purchase agreement with Tandem. The agreem... (4 pages)View decision -
Decision Reference DRN-5780697
21 Jan 2026 Volkswagen Financial Services (UK) Limited Not upheldConsumer CreditDRN-5780697 The complaint Mr M complains about a regulated hire purchase agreement he had with Volkswagen Financial Services (UK) Limited (VWFS). Mr M exercised his right to voluntary terminate the hire purchase agreement and is unhappy that VWFS has applied a charge for excess mileage.... (4 pages)View decision -
Decision Reference DRN-6023335
21 Jan 2026 Metro Bank PLC Not upheldBanking and PaymentsDRN-6023335 The complaint Mr B complains that Metro Bank PLC irresponsibly lent to him. What happened Mr B applied for a Metro credit card in March 2024, and his application was accepted with a £4,000 credit limit. Mr B says that Metro irresponsibly lent to him, and he made a complaint ... (4 pages)View decision