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-5931199
13 Feb 2026 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5931199 The complaint Mr and Mrs S complain that HSBC UK Bank Plc won’t refund the money they lost when they were the victims of what they feel was a scam. What happened In April 2020, Mr S decided to invest in a company his wife had previously invested in which leased cars. He und... (7 pages)View decision -
Decision Reference DRN-6146404
13 Feb 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6146404 The complaint Mr M complains about the quality of a used car he acquired through a conditional sale agreement with MONEYBARN NO.1 LIMITED trading as (‘Moneybarn’). Mr M says that he has had a significant number of problems with the vehicle and it is not fit for purpose. He w... (5 pages)View decision -
Decision Reference DRN-5925414
13 Feb 2026 Gain Credit LLC Not upheldConsumer CreditDRN-5925414 The complaint Miss B complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) gave her loans without carrying out sufficient affordability checks. What happened A summary of Miss B’s lending can be found in the table below. loan number loan amount agreem... (4 pages)View decision -
Decision Reference DRN-6004353
13 Feb 2026 Nationwide Building Society Not upheldBanking and PaymentsDRN-6004353 The complaint Mr R complains that Nationwide Building Society won’t refund the money he lost when he was the victim of what he feels was a scam. What happened In June 2025, Mr R was looking to buy a car and found one he was interested in advertised on an online marketplace.... (3 pages)View decision -
Decision Reference DRN-5819279
13 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5819279 The complaint Mrs M complains that Revolut Ltd has declined to locate and return funds to her. What happened Mrs M has asked Revolut to locate and return funds to her, following a payment that she made to her partner, which was returned to her bank. She’s unhappy that Revolu... (2 pages)View decision -
Decision Reference DRN-5891142
13 Feb 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5891142 The complaint Ms A complains that HSBC UK Bank Plc won’t refund the money she lost when she was the victim of what she feels was a scam. What happened The background to this complaint is well known to both parties, and so I’ve just summarised some of the key events below. ... (4 pages)View decision -
Decision Reference DRN-6151310
13 Feb 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-6151310 The complaint Mr A complains that Barclays Bank UK PLC won’t refund the money he lost when he was the victim of a scam. What happened In February 2022, Mr A came across an advert on a social media website for a cryptocurrency investment company being recommended by a well-k... (13 pages)View decision -
Decision Reference DRN-6051538
13 Feb 2026 Madison CF UK Limited Not upheldBanking and PaymentsDRN-6051538 The complaint Madison CF UK Limited trading as 118 118 Money (118) provided Miss H with a credit card on 21 July 2018. It had a credit limit of £500. Miss H says 118 acted irresponsibly when it agreed the credit card for her. What happened The details of this complaint are ... (2 pages)View decision -
Decision Reference DRN-6151301
13 Feb 2026 New Wave Capital Limited Not upheldBanking and PaymentsDRN-6151301 The complaint Mr W (a director) complains on behalf of a limited company P that New Wave Capital Limited trading as Capital on Tap (CoT) won’t refund what he says are unauthorised payments made on P’s credit card. Although P is the complainant here, for ease of reading, I’l... (5 pages)View decision -
Decision Reference DRN-6110414
13 Feb 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6110414 Complaint Mr J has complained about a credit card HSBC UK Bank Plc (“HSBC”) provided to him. He says that the credit card was unaffordable for him at the outset and the failure to carry out a more thorough affordability assessment caused him ongoing financial difficulty. Ba... (5 pages)View decision