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
-
Decision Reference DRN-6087987
20 Jan 2026 Nationwide Building Society Not upheldBanking and PaymentsDRN-6087987 The complaint Miss C complains that Nationwide Building Society won’t refund money she says she lost when she was the victim of an investment 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. Mi... (2 pages)View decision -
Decision Reference DRN-5712044
20 Jan 2026 Advantage Finance Ltd Not upheldConsumer CreditDRN-5712044 The complaint Miss K says Advantage Finance Ltd (‘Advantage’), irresponsibly lent to her. She says it didn’t take reasonable steps to ensure she could afford the repayments towards a hire purchase agreement to purchase a car. And Advantage hasn’t treated her fairly in respec... (3 pages)View decision -
Decision Reference DRN-5531374
20 Jan 2026 Barclays Bank UK PLC Not upheldMortgagesDRN-5531374 The complaint Mr S complains about the way Barclays Bank UK PLC treated his request to port, or transfer, the interest rate product he had on a joint mortgage to a new property in his sole name. He says it misled him and caused delay and he has lost out as a result. What hap... (4 pages)View decision -
Decision Reference DRN-6089931
20 Jan 2026 Nationwide Building Society Not upheldBanking and PaymentsDRN-6089931 The complaint Mrs K is complaining that Nationwide Building Society hasn’t refunded payments she was tricked into making when she fell victim to a scam. What happened Both parties are familiar with the circumstances of the complaint, so I’ll only summarise things here. In sh... (3 pages)View decision -
Decision Reference DRN-5946307
20 Jan 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5946307 The complaint Mr F’s complaint is, in essence, that Mitsubishi HC Capital UK Plc trading as Novuna Personal Finance (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... (11 pages)View decision -
Decision Reference DRN-6044290
20 Jan 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-6044290 The complaint Mrs T 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 Mrs T says Virgin approved a credit card account for her in September 2024 ... (3 pages)View decision -
Decision Reference DRN-4452675
20 Jan 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4452675 The complaint Mr C’s complaint is, in essence, that Mitsubishi HC Capital UK PLC trading as Novuna Consumer Finance (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 ... (10 pages)View decision -
Decision Reference DRN-5982951
20 Jan 2026 Santander UK Plc Not upheldMortgagesDRN-5982951 The complaint Mr and Mrs E have complained that the further advances they took out on their mortgage with Santander UK Plc were irresponsibly lent. They are also unhappy about how Santander has treated them since their fixed interest rate product ended in the spring of 2024 ... (4 pages)View decision -
Decision Reference DRN-6016517
19 Jan 2026 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-6016517 The complaint Miss K complains that a hire purchase agreement with Specialist Motor Finance Limited under which a car was supplied to her was unaffordable. What happened Miss K applied to Specialist Motor Finance in September 2024 for credit to pay for a car to be supplied t... (3 pages)View decision -
Decision Reference DRN-5814277
19 Jan 2026 Lendable Ltd Not upheldBanking and PaymentsDRN-5814277 THE COMPLAINT Mr C complains that Lendable Ltd (trading as Zable) will not reimburse him money he says he lost when he fell victim to fraud. WHAT HAPPENED The circumstances of this complaint are well known to all parties concerned, so I will not repeat them again here in de... (3 pages)View decision