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-6055913
19 Jan 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6055913 The complaint Mr and Mrs D’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (‘BPF’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Cred... (12 pages)View decision -
Decision Reference DRN-5762816
19 Jan 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5762816 The complaint Mr W complains that’s Barclay’s Bank UK PLC trading as Barclaycard (Barclaycard) acted irresponsibly in lending to him. And so, should write off the debt. What happened Around November 2023 Mr W applied for a revolving credit facility (credit card) with Barclay... (3 pages)View decision -
Decision Reference DRN-5722131
19 Jan 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5722131 The complaint Mr C has complained that Lloyds Bank PLC hasn’t been transparent regarding the interest rate applicable to his overdraft facility. What happened Mr C opened his account in October 2023, and Lloyds wrote to him at the time to say he wouldn’t pay interest on his ... (2 pages)View decision -
Decision Reference DRN-6031871
19 Jan 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6031871 The complaint Mrs A and Mr M complain that Lloyds Bank PLC (‘Lloyds’) won’t refund the money they say was lost as the result of a scam. What happened Mr M met an individual I’ll refer to as S, who he built a friendship with over a few months. Mrs A and Mr M were looking to... (4 pages)View decision -
Decision Reference DRN-6087549
19 Jan 2026 Ecology Building Society UpheldMortgagesDRN-6087549 The complaint Mr G complained that, after he missed one monthly mortgage payment to Ecology Building Society, it repeatedly marked his credit file. Mr G said Ecology initially accepted this was a mistake, and corrected his file, before telling him it hadn’t been wrong after ... (8 pages)View decision -
Decision Reference DRN-6068396
19 Jan 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6068396 The complaint Mr J’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (‘BPF’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 19... (12 pages)View decision -
Decision Reference DRN-6031864
19 Jan 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6031864 The complaint Mrs A complains that Lloyds Bank PLC (‘Lloyds’) won’t refund the money she says was lost as the result of a scam. What happened Mrs A’s husband met an individual I’ll refer to as S, who he built a friendship with over a few months. Mrs A and her husband were ... (3 pages)View decision -
Decision Reference DRN-5761808
19 Jan 2026 Handelsbanken plc UpheldBanking and PaymentsDRN-5761808 The complaint A company, which I’ll refer to as T, complains that it was mis-sold a fixed rate commercial loan by Handelsbanken plc. What happened In September 2023, T took out a £1,425,000 fixed rate loan from Handelsbanken, secured on several properties. The loan was for a... (4 pages)View decision -
Decision Reference DRN-6087380
19 Jan 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6087380 The complaint Mrs D’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) (... (13 pages)View decision -
Decision Reference DRN-6087297
19 Jan 2026 Zopa Bank Limited Not upheldBanking and PaymentsDRN-6087297 The complaint Miss F is unhappy that Zopa Bank Limited won’t update her contact details on her account. What happened Miss F contacted Zopa via online chat and asked for the phone number and email address details linked to her account to be updated. Zopa sent an email to Mis... (2 pages)View decision