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-6026307
16 Jan 2026 MBNA Limited Not upheldBanking and PaymentsDRN-6026307 The complaint Mr M complains that MBNA Limited displayed incorrect information on his credit file. What happened Mr M held two credit cards with MBNA. In March 2020, Mr M was declared bankrupt; he was discharged a year later, in March 2021. In 2025, Mr M discovered that hi... (3 pages)View decision -
Decision Reference DRN-5665377
16 Jan 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5665377 The complaint Mrs J complains that Monzo Bank Ltd failed to protect her from losing money in an investment scam. A professional representative, W, has brought the complaint to the Financial Ombudsman Service on Mrs J’s behalf. What happened Mrs J became involved in the scam ... (4 pages)View decision -
Decision Reference DRN-5886851
16 Jan 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5886851 The complaint Mr S complains that Revolut Ltd (Revolut) is refusing to refund him the amount he lost as the result of a scam. Mr S is being represented by a third party. To keep things simple, I will refer to Mr S throughout my decision. What happened The background of this ... (4 pages)View decision -
Decision Reference DRN-6054194
16 Jan 2026 CA AUTO FINANCE UK LTD Not upheldConsumer CreditDRN-6054194 The complaint Mr C complains that a vehicle supplied to him under a hire purchase agreement with CA AUTO FINANCE UK LTD (CAF) is of unsatisfactory quality. Mr C’s complaint centres on what was offered by CAF to resolve the complaint due to his experience with the vehicle and... (3 pages)View decision -
Decision Reference DRN-6084820
16 Jan 2026 Nationwide Building Society Not upheldConsumer CreditDRN-6084820 The complaint Miss R complains that Nationwide Building Society registered a default incorrectly on her credit file, which delayed her mortgage application and resulted in her incurring significant costs. What happened Following a legal dispute, a Tomlin Order was issued in... (4 pages)View decision -
Decision Reference DRN-6007015
16 Jan 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-6007015 The complaint Mr A feels let down by Barclays Bank UK PLC after his account was blocked and his requests, including a Subject Access Request (SAR) were poorly managed. He wants Barclays to apologise, admit its mistake in initially refusing to unblock his account, and provide... (4 pages)View decision -
Decision Reference DRN-6060305
16 Jan 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6060305 The complaint Mr M complains Monzo Bank Ltd unfairly defaulted his current account due to an outstanding overdraft. What happened The background to this complaint is well known to both parties, so I won’t repeat it at length here. In summary, Mr M opened a current account w... (2 pages)View decision -
Decision Reference DRN-5642793
16 Jan 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5642793 The complaint Mr and Mrs S complain that Barclays Bank UK PLC declined to refund them when they lost £33,500 as a result of a scam. What happened The circumstances of this complaint are well known to both parties, so I will not go into every detail of what happened here. But... (3 pages)View decision -
Decision Reference DRN-6034974
16 Jan 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6034974 The complaint Miss G has complained about Bank of Scotland plc trading as Halifax not refunding several payments she says she made and lost to a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat it in detail here. In summa... (4 pages)View decision -
Decision Reference DRN-6015226
16 Jan 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6015226 The complaint Miss G has complained about Revolut Ltd not refunding several payments she says she made and lost to a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat it in detail here. In summary, Miss G fell victim to a ... (3 pages)View decision