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 185689 results
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Decision Reference DRN-6226182
24 Apr 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6226182 The complaint Mr M complains about the service he received from Bank of Scotland plc (BOS) staff when he visited a branch. What happened Mr M visited a BOS branch as he wanted to make a withdrawal from his account. He took a seat in what he believed to be a waiting area whil... (3 pages)View decision -
Decision Reference DRN-6223734
24 Apr 2026 THE ROYAL BANK OF SCOTLAND PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-6223734 The complaint Mr D complains that The Royal Bank of Scotland Public Limited Company (RBS) failed to properly monitor his account which led to it continuing to provide credit that was no longer affordable. What happened Mr D has an overdraft of £2,000 with RBS and complains ... (3 pages)View decision -
Decision Reference DRN-6095950
24 Apr 2026 Gain Credit LLC UpheldConsumer CreditDRN-6095950 The complaint Miss G complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) having agreed a repayment break due to her undergoing medical tests and she wouldn’t be contacted. Despite this, Miss G received missed payment letters and emails which said that... (4 pages)View decision -
Decision Reference DRN-6244148
24 Apr 2026 Loans 2 Go Limited UpheldConsumer CreditDRN-6244148 The complaint Mr S has complained that Loans 2 Go Limited (“L2G”) gave him a loan when he was in financial difficulties. Mr S has also complained about the cost of the credit that was advanced. What happened Mr S was advanced one loan of £600 on 4 December 2024, and he was ... (4 pages)View decision -
Decision Reference DRN-6180197
24 Apr 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6180197 Complaint Mr W complains that Moneybarn No.1 Limited (“Moneybarn”) failed to act fairly and reasonably towards him when entering into a conditional sale agreement with him. He’s said that Moneybarn failed to disclose the commission that it paid to the credit broker that int... (3 pages)View decision -
Decision Reference DRN-6242551
24 Apr 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-6242551 The complaint Ms T complains that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY won’t refund the money she lost when she was the victim of what she feels was a scam. What happened In October 2023, Ms T was looking to purchase a kitten and contacted a seller who was listi... (3 pages)View decision -
Decision Reference DRN-6242548
24 Apr 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-6242548 The complaint Ms T complains that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY won’t refund the money she lost when she was the victim of what she feels was a scam. What happened In July 2025, Ms T was looking to purchase a kitten and contacted a seller who was listing ... (3 pages)View decision -
Decision Reference DRN-6313516
24 Apr 2026 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-6313516 The complaint Mr C is complaining that Capital One (Europe) plc (Capital One) failed to block gambling transactions on his account. What happened Mr C took out a credit card with Capital One in 2020 and in October 2025 he disputed three gambling transactions that were made u... (3 pages)View decision -
Decision Reference DRN-5872104
24 Apr 2026 Quidie Limited Not upheldConsumer CreditDRN-5872104 The complaint Mr G complains that Quidie Limited trading as Fernovo (“Quidie”) provided him with loans without carrying out the sufficient affordability checks. Had further checks been made Quidie would’ve seen that Mr G was already in financial difficulties. What happened ... (5 pages)View decision -
Decision Reference DRN-6279160
24 Apr 2026 Oodle Financial Services Limited Not upheldConsumer CreditDRN-6279160 Complaint Mr P complains that Oodle Financial Services Limited (trading as “Oodle” Car Finance) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In January 2022, Oodle provided Mr P... (3 pages)View decision