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-6082163
19 Jan 2026 SOLVENDO LTD UpheldConsumer CreditDRN-6082163 The complaint Mr H complains SOLVENDO LTD trading as Bell & Company (Bell) didn’t provide the debt adjusting service he paid them for. I’m aware a representative has supported Mr H in this complaint, but for simplicity I’ll mainly refer to him in this decision. What happ... (5 pages)View decision -
Decision Reference DRN-5955845
19 Jan 2026 Sky UK Limited UpheldConsumer CreditDRN-5955845 The complaint Mr W has complained that Sky UK Limited (“Sky”) is unfairly holding him liable for a credit agreement that was taken out to buy a device. What happened The circumstances of the complaint are well known to both parties so I won’t go over everything in detail. Bu... (4 pages)View decision -
Decision Reference DRN-6032898
19 Jan 2026 National Savings and Investments UpheldBanking and PaymentsDRN-6032898 The complaint Mr B complains National Savings and Investments (NSI) allowed him to make an incorrect payment to an unknown third-party. He also complains about the service he received from NSI. What happened Mr B wanted to cash in and transfer £3,000 worth of his premium bon... (4 pages)View decision -
Decision Reference DRN-6066533
19 Jan 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6066533 The complaint Mrs E’s complaint is, in essence, that Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974 (as amended) (... (12 pages)View decision -
Decision Reference DRN-5818362
19 Jan 2026 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-5818362 The complaint Mr M is unhappy that American Express Services Europe Limited, trading as American Express (“AmEx”) withdrew a disputed credit from his account. What happened On 21 October 2024, Mr M paid £770.64 to a well-known Payment Services Provider, which I’ll refer to a... (2 pages)View decision -
Decision Reference DRN-6053579
19 Jan 2026 Lantern Debt Recovery Services Limited Not upheldConsumer CreditDRN-6053579 The complaint Mr M complains Lantern Debt Recovery Services Limited trading as Lantern are asking him to repay a debt he doesn’t think they should be and thinks overall they’ve treated him unfairly. What happened Mr M took out a loan with a company I’ll refer to as A. A went... (5 pages)View decision -
Decision Reference DRN-5993756
19 Jan 2026 Starling Bank Limited Not upheldBanking and PaymentsDRN-5993756 The complaint Mr N complained because Starling Bank Limited refused to refund him for a cash machine withdrawal where he said the machine didn’t give him the money. He also complained about Starling’s customer service. What happened On 4 July 2025, Mr N contacted Starling. ... (5 pages)View decision -
Decision Reference DRN-5861269
19 Jan 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5861269 The complaint and background Miss F is unhappy that HSBC UK Bank Plc won’t refund her money lost after she fell victim to an impersonation scam. Miss F has fallen victim to multiple scams which have been the subject of separate complaints brought to this service. The compla... (2 pages)View decision -
Decision Reference DRN-5782143
19 Jan 2026 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5782143 The complaint Mrs and Mr S complain that HSBC UK Bank Plc (“HSBC”) have declined to reimburse their losses after falling victim to a scam. What happened Mrs and Mr S came across an investment opportunity in a construction company. The company were raising funds from investor... (7 pages)View decision -
Decision Reference DRN-6088822
19 Jan 2026 Santander UK Plc UpheldBanking and PaymentsDRN-6088822 The complaint Mr D complains that Santander UK Plc won’t refund the money he lost to an investment scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key events here. Mr D was l... (5 pages)View decision