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-5621700
16 Jan 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5621700 The complaint Mr B complains that Bank of Scotland plc, trading as Halifax, won’t refund the money he lost when he was the victim of what he feels were scams. What happened Between June and November 2024, Mr B made a number of payments from his Halifax account to several di... (4 pages)View decision -
Decision Reference DRN-6077457
16 Jan 2026 Barclays Bank UK PLC Not upheldConsumer CreditDRN-6077457 The complaint Mrs M complains that Barclays Bank UK PLC lent to her irresponsibly. What happened On 7 November 2019, Mrs M applied for – and was given – a loan from Barclays on the following terms: Date Amount Term Monthly repayment 7 November 2019 £10,600 60 months £208.29... (5 pages)View decision -
Decision Reference DRN-5960665
16 Jan 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5960665 The complaint Mr S complains that Barclays Bank UK PLC won’t refund the money he lost when he was the victim of what he feels was a scam. What happened In early 2024, Mr S was looking to get some repair work done on his car. He found a garage advertised online and, after ch... (3 pages)View decision -
Decision Reference DRN-5998208
15 Jan 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5998208 The complaint Mr M’s complaint is, in essence, that Mitsubishi HC Capital UK PLC trading as Novuna Consumer 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 Act 1974 ... (12 pages)View decision -
Decision Reference DRN-5980839
15 Jan 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5980839 The complaint Mr A’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 them under section 140A of the Consumer Credit Act 197... (13 pages)View decision -
Decision Reference DRN-6028737
15 Jan 2026 Allium Money Limited Not upheldConsumer CreditDRN-6028737 The complaint This is a complaint brought on behalf of the estate of the late Mr M. The complaint is that Allium Money Limited (the “Lender”) has failed to honour a claim under Section 75 of the Consumer Credit Act 1974 (the “CCA”) and participated in an unfair credit relati... (15 pages)View decision -
Decision Reference DRN-6044252
15 Jan 2026 Barclays Bank UK PLC Not upheldConsumer CreditDRN-6044252 The complaint The estate of the late Mr W complains that Barclays Bank UK PLC, trading as Tesco Bank, shouldn’t have lent to Mr W. The estate is being represented in this complaint by Mr W’s ex- wife. What happened Mr W applied to Tesco Bank for a loan in July 2017, his appl... (3 pages)View decision -
Decision Reference DRN-6063561
15 Jan 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6063561 The complaint Miss W complains that a car that was supplied to her under a conditional sale agreement with Moneybarn No. 1 Limited wasn’t of satisfactory quality. What happened A used car was supplied to Miss W under a conditional sale agreement with Moneybarn that she elect... (2 pages)View decision -
Decision Reference DRN-6025346
15 Jan 2026 Oodle Financial Services Limited Not upheldConsumer CreditDRN-6025346 The complaint Mr R complains about a car supplied to him using a hire purchase agreement taken out with Oodle Financial Services Limited (“Oodle”). What happened Towards the end of August 2025, Mr R acquired a used car using a hire purchase agreement with Oodle. The car was... (3 pages)View decision -
Decision Reference DRN-5775678
15 Jan 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-5775678 The complaint Mr S complains about how Santander UK Plc handled a claim he made to it. What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my role resolving disputes with minimum formality.... (3 pages)View decision