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-5985288
13 Jan 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5985288 The complaint Mr O’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-6075036
13 Jan 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6075036 The complaint Mrs O’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 her under Section 140A of the Consumer Credit Act 19... (9 pages)View decision -
Decision Reference DRN-6044638
13 Jan 2026 Rightcard Payment Services Limited Not upheldBanking and PaymentsDRN-6044638 The complaint Miss M complains that Right Card Payment Services Limited, trading as Lemfi, won’t reimburse her £590 she lost when she fell victim to an employment scam. What happened The circumstances of Miss M’s complaint are well known to both parties, so I won’t repeat th... (2 pages)View decision -
Decision Reference DRN-5706108
13 Jan 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-5706108 The complaint Mr J complains that Wise Payments Limited trading as Wise (Wise) unfairly closed his account without providing a proper explanation. What happened The detailed background of this complaint is well known to both parties. So, I’ll only provide a brief overview of... (3 pages)View decision -
Decision Reference DRN-5873760
13 Jan 2026 Santander UK Plc UpheldBanking and PaymentsDRN-5873760 The complaint Mrs C has complained about the fees and charges applied to her account by Santander UK Plc, in respect of her overdraft. What happened On 13 July 2020, Mrs C was provided with a £200 overdraft facility. This was then increased twice over a short period: to £400... (3 pages)View decision -
Decision Reference DRN-5833990
13 Jan 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5833990 The complaint Miss W complains that Barclays Bank UK PLC closed her account. What happened Miss W had an account with Barclays. In 2024, Barclays closed Miss W’s account by mistake. Unhappy with this, Miss W complained to Barclays. Barclays upheld the complaint and offered t... (3 pages)View decision -
Decision Reference DRN-5927869
13 Jan 2026 Fluro Platform Limited Not upheldConsumer CreditDRN-5927869 The complaint Mr S complains that Fluro Platform Limited trading as Fluro was irresponsible in its lending to him. He wants his loan written off and any adverse information removed from his credit file. What happened Mr S was issued with a £10,000 loan by Fluro in December 2... (3 pages)View decision -
Decision Reference DRN-6003648
13 Jan 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-6003648 The complaint Mr S is a sole trader, trading as J. He complains that Santander UK Plc unfairly gave him notice that it intended to start charging fees on a bank account that should have been “fee free, forever”. Mr S has made a similar complaint in respect of another accoun... (4 pages)View decision -
Decision Reference DRN-6003226
13 Jan 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-6003226 The complaint Mr S is a sole trader, trading as J. He complains that Santander UK Plc unfairly gave him notice that it intended to start charging fees on a bank account that should have been “fee free, forever”. Mr S has made a similar complaint in respect of another accoun... (4 pages)View decision -
Decision Reference DRN-5766279
13 Jan 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5766279 The complaint Mr L complains that Revolut Ltd won’t refund money he says he lost when he was the victim of an investment scam. Mr L is represented by a firm I’ll refer to as ‘LP’. What happened The background to this complaint is well known to both parties and so I’ll only r... (2 pages)View decision