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-5947547
12 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5947547 The complaint Mr and Mrs T’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)... (15 pages)View decision -
Decision Reference DRN-6150378
12 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6150378 The complaint Mr D’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (‘BPF’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 19... (13 pages)View decision -
Decision Reference DRN-6067934
12 Feb 2026 Tesco Mobile Limited Not upheldConsumer CreditDRN-6067934 The complaint Miss T complained about the way Tesco Mobile Limited trading as Tesco Mobile (“Tesco Mobile”) administered a credit sale agreement she’d taken out to buy a phone. What happened The events surrounding this complaint are well known to both parties, so I’ll only s... (4 pages)View decision -
Decision Reference DRN-5930861
12 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5930861 The complaint Mr H complains that Barclays Bank UK PLC failed to send him his wallet which was within Barclays’ safe storage, and gave him conflicting information. What happened Mr H had a wallet in safe custody with Barclays. He received a letter from Barclays asking him t... (2 pages)View decision -
Decision Reference DRN-4723681
12 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-4723681 The complaint Mr and Mrs C’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably under the Consumer Credit Act 1974 (as amended) (the ‘CCA’). What happened Mr and Mrs C purchased membership of a timeshare (the ‘Fractional Club... (8 pages)View decision -
Decision Reference DRN-6150337
12 Feb 2026 First Holiday Finance Ltd Not upheldConsumer CreditDRN-6150337 The complaint Mr and Mrs O’s complaint is, in essence, that First Holiday Finance Ltd (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 1974 (as amended) (the ‘CCA’) and (... (12 pages)View decision -
Decision Reference DRN-6123432
12 Feb 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-6123432 The complaint Mr C complains that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY (NatWest) is refusing to refund him the amount he lost as the result of several scams. Mr C has previously been represented by a third party. To keep things simple, I will refer to Mr C throu... (4 pages)View decision -
Decision Reference DRN-5926412
12 Feb 2026 ONMO Limited Not upheldBanking and PaymentsDRN-5926412 The complaint Miss C complains about interest and charges applied to her ONMO credit card account. What happened Miss C used ONMO’s app, which told her the minimum repayment was £51.69. Miss C made this payment, but her statement showed the actual minimum payment due was £59... (2 pages)View decision -
Decision Reference DRN-5873303
12 Feb 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5873303 The complaint Miss H complains that HSBC UK Bank Plc trading as First Direct (First Direct) refused to pay a switching incentive when she opened an account with them. What happened Miss H applied for an account with First Direct in January 2025. The Current Account Switch S... (2 pages)View decision -
Decision Reference DRN-6116864
12 Feb 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-6116864 The complaint Miss W complains that Clydesdale Bank Plc (trading as Virgin Money), as the receiving bank, could’ve prevented the loss she suffered as the result of an alleged scam. What happened In June 2023 Miss W sent £26,000 to an account held with Clydesdale, as part of... (3 pages)View decision