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-6060220
14 Jan 2026 FIRST RESPONSE FINANCE LIMITED UpheldConsumer CreditDRN-6060220 The complaint Miss C and Mr S complain that First Response Finance Limited irresponsibly entered into a hire purchase agreement with them. They say this resulted in the relationship between the parties being unfair. Miss C and Mr S are supported in bringing this complaint b... (5 pages)View decision -
Decision Reference DRN-6077970
14 Jan 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6077970 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... (9 pages)View decision -
Decision Reference DRN-5804281
14 Jan 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5804281 The complaint Mr C complains about Monzo Bank Ltd and how it handled a payment review and the subsequent closure of his account. What happened Mr C had an account with Monzo. He has several accounts elsewhere too. Mr C says he tried to make a £5,000 payment from his account ... (2 pages)View decision -
Decision Reference DRN-5926804
14 Jan 2026 Nationwide Building Society Not upheldBanking and PaymentsDRN-5926804 The complaint Mrs N has complained about how Nationwide Building Society (Nationwide) handled her refund claim. What happened As all parties are familiar with this complaint, I’ll only summarise the key background where necessary within my findings below. What I’ve decided –... (3 pages)View decision -
Decision Reference DRN-5873010
14 Jan 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5873010 The complaint Mr K complains that Bank of Scotland plc closed his basic bank account, shortly after it was opened. What happened Mr K applied for an account with Bank of Scotland in February 2024. A basic bank account was opened for Mr K and it was closed with immediate not... (3 pages)View decision -
Decision Reference DRN-6070589
14 Jan 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6070589 The complaint Mrs G complains that NewDay Ltd (‘NewDay’) irresponsibly gave her Fluid and Aqua credit card accounts which she couldn’t afford to repay As the complaint about the Aqua account has been made too late, I will only be considering the merits of the Fluid card com... (2 pages)View decision -
Decision Reference DRN-6043510
14 Jan 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6043510 The complaint Miss M complains Barclays Bank UK PLC trading as Tesco Bank (Tesco) acted irresponsibly when it approved a credit card account for her. What happened Miss M says Tesco approved a credit card account for her in July 2022 with a credit limit of £5,500, even thoug... (3 pages)View decision -
Decision Reference DRN-5993286
14 Jan 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5993286 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... (9 pages)View decision -
Decision Reference DRN-5873023
14 Jan 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5873023 The complaint Mr K complains that Bank of Scotland plc (trading as Halifax) closed his basic bank account, shortly after it was opened and relied on information recorded about him on a fraud database, to do so. What happened In January 2023, Mr K entered into a trust deed. ... (4 pages)View decision -
Decision Reference DRN-6001795
14 Jan 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6001795 The complaint Mr and Mrs L’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2)... (16 pages)View decision