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-6004328
12 Feb 2026 Stellantis Financial Services UK Limited Not upheldConsumer CreditDRN-6004328 The complaint Mr Z is unhappy that his hire purchase agreement with Stellantis Financial Services UK Limited was misrepresented to him. What happened In July 2021, Mr Z was supplied with a new car through a hire purchase agreement with Stellantis Financial Services UK Limit... (3 pages)View decision -
Decision Reference DRN-6150248
12 Feb 2026 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-6150248 The complaint Mr B’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... (12 pages)View decision -
Decision Reference DRN-5853049
12 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5853049 The complaint Mr B and Mrs B 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’). What ... (10 pages)View decision -
Decision Reference DRN-5827919
12 Feb 2026 Lloyds Bank PLC UpheldBanking and PaymentsDRN-5827919 The complaint Ms V complains that Lloyds Bank PLC won’t reimburse her after she made payments towards an investment that she now considers to have been a scam. Ms V is professionally represented in bringing her complaint, but for ease of reading I’ll refer to all submissions... (5 pages)View decision -
Decision Reference DRN-6149811
12 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6149811 The complaint Mr and Mrs O’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)... (10 pages)View decision -
Decision Reference DRN-5812757
12 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5812757 The complaint Mrs W’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 her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) decidin... (13 pages)View decision -
Decision Reference DRN-6080423
12 Feb 2026 Admiral Financial Services Limited Not upheldConsumer CreditDRN-6080423 The complaint Miss M complains that Admiral Financial Services Limited (‘Admiral’) irresponsibly lent to her. What happened The facts of this case are familiar to both sides. With that being the case, I won’t provide a detailed background here. Instead, I’ll provide a brief... (7 pages)View decision -
Decision Reference DRN-6141950
12 Feb 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldBanking and PaymentsDRN-6141950 The complaint Ms B is a sole trader. She complains National Westminster Bank Public Limited Company mis-sold her a business loan that wasn’t suitable for her circumstances. She says this error has had a number of consequences, including a failure to obtain a five year lease ... (8 pages)View decision -
Decision Reference DRN-6069626
12 Feb 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-6069626 The complaint Mr G’s complaint is, in essence, that Tandem Personal Loans Limited (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 (as amended) (the ‘CCA’) and (2) d... (13 pages)View decision -
Decision Reference DRN-5988424
12 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5988424 The complaint Miss A complains about Revolut Ltd. She would like to be refunded the money she has lost to a task-based job scam. What happened Miss A had been looking for employment and was approached by a group advising of tasks that needed to be completed in order to recei... (2 pages)View decision