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-6285551
23 Apr 2026 Fairscore Ltd Not upheldConsumer CreditDRN-6285551 The complaint Mr P complains that Fairscore Ltd trading as Updraft (Updraft) acted irresponsibly when they agreed to lend to him. What happened In July 2025, Mr P successfully applied for a loan with Updraft for £10,000. He doesn’t think that sufficient checks were carried ... (3 pages)View decision -
Decision Reference DRN-6245817
23 Apr 2026 J D Williams & Company Limited Not upheldConsumer CreditDRN-6245817 The complaint Mr C complains that J D Williams & Company Limited (“J D Williams”) lent to him irresponsibly. What happened In August 2024, Mr C successfully applied for a mail order credit account with J D Williams. He was given an initial credit limit of £175. J D Willi... (4 pages)View decision -
Decision Reference DRN-6261165
23 Apr 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6261165 The complaint Mr P complains that Revolut Ltd won’t refund the money he lost to a job and investment scam. What happened There appears to have been two elements to the scam, which started on 20 November 2025: Element 1 Mr P explains that he was contacted by a scammer on a ... (5 pages)View decision -
Decision Reference DRN-6314446
23 Apr 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6314446 The complaint Mr K, with the help of his grandfather, complains that Barclays Bank UK PLC allowed over £180’s worth of transactions to leave his account and then bullied him when he attempted to dispute the payments. What happened Mr K has an account with Barclays designed f... (2 pages)View decision -
Decision Reference DRN-6165700
23 Apr 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6165700 The complaint Mr B is unhappy that Revolut Ltd (Revolut) won’t reimburse money he lost to a scam. What happened The details of this complaint are well known to both parties, so I won’t repeat everything here. In summary, Mr B has advised he made several payments from his Re... (3 pages)View decision -
Decision Reference DRN-6276164
23 Apr 2026 TSB Bank plc Not upheldBanking and PaymentsDRN-6276164 The complaint Mr O complains TSB Bank plc unfairly loaded a CIFAS marker against his name. What happened The details of this complaint are well known to both parties, so I won’t repeat them here. Instead, I will focus on the reasons for my decision. What I’ve decided – and ... (3 pages)View decision -
Decision Reference DRN-6202111
23 Apr 2026 Oodle Financial Services Limited Not upheldConsumer CreditDRN-6202111 The complaint Mr A complains that a car that was supplied to him under a hire purchase agreement with Oodle Financial Services Limited, trading as Oodle Car Finance, wasn’t of satisfactory quality and about other issues arising from the hire purchase agreement. What happened... (3 pages)View decision -
Decision Reference DRN-6181193
23 Apr 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6181193 The complaint Mr W complains that Revolut Ltd (‘Revolut’) won’t reimburse the funds he lost when he fell victim to a scam. What happened Mr W says that in late 2023 he saw an advert online for an investment company I’ll call ‘B’ in this decision. He completed an enquiry for... (6 pages)View decision -
Decision Reference DRN-6261230
23 Apr 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-6261230 The complaint Mr B complains that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY (NatWest) lent to him irresponsibly when they provided him with a credit card in 2023. What happened In September 2023, Mr B was provided with a credit card with a limit of £10,000. There wer... (5 pages)View decision -
Decision Reference DRN-6312269
23 Apr 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6312269 The complaint Mrs C complaint is, in essence, that Mitsubishi HC Capital UK Plc trading as Hitachi Personal Finance (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... (17 pages)View decision