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 179851 results
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Decision Reference DRN-6084820
16 Jan 2026 Nationwide Building Society Not upheldConsumer CreditDRN-6084820 The complaint Miss R complains that Nationwide Building Society registered a default incorrectly on her credit file, which delayed her mortgage application and resulted in her incurring significant costs. What happened Following a legal dispute, a Tomlin Order was issued in... (4 pages)View decision -
Decision Reference DRN-6007015
16 Jan 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-6007015 The complaint Mr A feels let down by Barclays Bank UK PLC after his account was blocked and his requests, including a Subject Access Request (SAR) were poorly managed. He wants Barclays to apologise, admit its mistake in initially refusing to unblock his account, and provide... (4 pages)View decision -
Decision Reference DRN-6060305
16 Jan 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6060305 The complaint Mr M complains Monzo Bank Ltd unfairly defaulted his current account due to an outstanding overdraft. What happened The background to this complaint is well known to both parties, so I won’t repeat it at length here. In summary, Mr M opened a current account w... (2 pages)View decision -
Decision Reference DRN-5642793
16 Jan 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5642793 The complaint Mr and Mrs S complain that Barclays Bank UK PLC declined to refund them when they lost £33,500 as a result of a scam. What happened The circumstances of this complaint are well known to both parties, so I will not go into every detail of what happened here. But... (3 pages)View decision -
Decision Reference DRN-6034974
16 Jan 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6034974 The complaint Miss G has complained about Bank of Scotland plc trading as Halifax not refunding several payments she says she made and lost to a scam. 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-6015226
16 Jan 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6015226 The complaint Miss G has complained about Revolut Ltd not refunding several payments she says she made and lost to a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat it in detail here. In summary, Miss G fell victim to a ... (3 pages)View decision -
Decision Reference DRN-6082848
16 Jan 2026 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-6082848 The complaint Mr B’s complaint is, in essence, that Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance 1 (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 197... (14 pages)View decision -
Decision Reference DRN-5885237
16 Jan 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5885237 The complaint Mr T complains that National Westminster Bank PLC unreasonably blocked an outgoing payment and restricted his account. Mr T says this caused him distress, inconvenience and a financial loss. What happened Mr T tried to send funds from his NatWest account to pay... (4 pages)View decision -
Decision Reference DRN-5993282
16 Jan 2026 Santander UK Plc UpheldBanking and PaymentsDRN-5993282 The complaint Mr E complains that there should be a balance in an old savings account held with Santander UK Plc. What happened Mr E was the beneficiary a savings account with Abbey National, now Santander. His wife, Mrs E, was Trustee of the account. Mrs E sadly passed awa... (2 pages)View decision -
Decision Reference DRN-6081006
16 Jan 2026 Revolut Ltd UpheldBanking and PaymentsDRN-6081006 The complaint Miss M complains that Revolut Ltd has declined to refund transactions that were made from her account after she was the victim of a scam. What happened On 27 September 2024, Miss M received a call from someone claiming to be an employee of Revolut. Unknown to ... (3 pages)View decision