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-5990671
16 Jan 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5990671 The complaint Mr B’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 ... (13 pages)View decision -
Decision Reference DRN-6018065
16 Jan 2026 World First UK Limited Not upheldBanking and PaymentsDRN-6018065 The complaint Company O, a limited company, complains World First UK Ltd (WF) closed his account leading to £250 going missing from an incoming transfer. What happened O explained it held two business accounts, one with WF and one with a third-party bank. O explained it arra... (2 pages)View decision -
Decision Reference DRN-6070584
16 Jan 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6070584 The complaint Mr W says Revolut Ltd (“Revolut”) failed to protect him from financial harm when he fell victim to a scam. Mr W has appointed a professional representative who has brought this complaint on his behalf. However, for ease, I will simply refer to “Mr W” throughout... (3 pages)View decision -
Decision Reference DRN-5914375
16 Jan 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5914375 The complaint Mr S has complained about HSBC UK Bank Plc trading as first direct not refunding several payments he says he made and lost to two scams. 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-5981551
16 Jan 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5981551 The complaint Mr S’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner 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... (11 pages)View decision -
Decision Reference DRN-6033756
16 Jan 2026 TSB Bank plc Not upheldBanking and PaymentsDRN-6033756 The complaint Miss H complains TSB Bank plc (TSB) refused to remove her ex-partner from a joint account and defaulted her when the account went into arrears. What happened Miss H opened an account in her sole name in 2001. However, from 2010 the account was set up as a join... (3 pages)View decision -
Decision Reference DRN-6065654
16 Jan 2026 Equifinance Limited Not upheldMortgagesDRN-6065654 The complaint Mr S complains that Equifinance Limited (Equifinance) should not have issued him a mortgage offer as it was aware of the position in relation to the ownership of the property from the outset. He says that fact that the application subsequently did not proceed f... (5 pages)View decision -
Decision Reference DRN-5965811
16 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-5965811 The complaint Mrs M’s complaint is, in essence, that Tandem Bank Limited 1 (the ‘Lender’) 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) (the ‘CCA’) and (2) deciding... (12 pages)View decision -
Decision Reference DRN-6077921
16 Jan 2026 MGI Network Ltd UpheldMortgagesDRN-6077921 The complaint Miss R complains that the mortgage recommended by MGI Network Ltd wasn’t suitable. She also complains that it didn’t manage her porting application well and its fee is excessive. What happened Miss R contacted MGI for mortgage advice in early 2024. She says she... (6 pages)View decision -
Decision Reference DRN-5795620
16 Jan 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5795620 The complaint Mr A complains that Barclays Bank UK PLC won’t refund the full amount of money he lost to a scam. What happened Mr A says he sent several payments to what he thought was a task-based job. When Mr A didn’t get the returns he was promised, he realised he had been... (3 pages)View decision