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 185689 results
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Decision Reference DRN-6272905
22 Apr 2026 Oakbrook Finance Limited Not upheldConsumer CreditDRN-6272905 The complaint Mr C complains that Oakbrook Finance Limited trading as Finio Loans lent irresponsibly when it approved his loan application. What happened Mr C applied for a loan of £3,000 plus £2,019.60 of interest in July 2023. In his application, Mr C said he was employed... (3 pages)View decision -
Decision Reference DRN-5916113
22 Apr 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5916113 The complaint Mr K complains that Revolut Ltd (“Revolut”) won’t refund him the money he lost after he fell victim to an Authorised Push Payment (‘APP’) scam. In bringing his complaint to this service Mr K is represented, however for ease of reading I will, in the main, refe... (4 pages)View decision -
Decision Reference DRN-6210846
22 Apr 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6210846 The complaint Miss F complains that Revolut Ltd held her responsible for payments made from her account. The background to this complaint is well known to both parties. So, if there’s a submission I’ve not addressed; it isn’t because I’ve ignored the point. It’s simply beca... (2 pages)View decision -
Decision Reference DRN-5906824
22 Apr 2026 J D Williams & Company Limited Not upheldConsumer CreditDRN-5906824 The complaint Miss G is complaining that JD Williams & Company Limited (JDW) lent to her irresponsibly by providing her with, and then increasing the credit limit on, a catalogue shopping account. What happened In July 2016, Miss G opened an account with JDW. They approv... (5 pages)View decision -
Decision Reference DRN-6074215
22 Apr 2026 Healthcare Finance Limited Not upheldConsumer CreditDRN-6074215 The complaint Mrs T has complained about the way Healthcare Finance Limited (“HFL”) dealt with a claim in relation to dental treatment which she paid for with credit it provided. What happened The circumstances of the complaint are well known to the parties so I won’t go ove... (4 pages)View decision -
Decision Reference DRN-6050134
22 Apr 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6050134 The complaint Mr Z complains that Bank of Scotland plc trading as Halifax closed his credit card account and reported late payments and a default on his credit file. What happened Mr Z holds a credit card account with Halifax. The account fell into arrears in April 2025 when... (4 pages)View decision -
Decision Reference DRN-5849629
22 Apr 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5849629 The complaint Mr S complained about the way Barclays Bank UK PLC trading as Barclaycard dealt with the administration of his credit card account. What happened Mr S complained that Barclaycard restricted the use of his credit card without notice and closed the account. He s... (3 pages)View decision -
Decision Reference DRN-6289229
22 Apr 2026 Stellantis Financial Services UK Limited Not upheldConsumer CreditDRN-6289229 The complaint Mr M is unhappy with how Stellantis Financial Services UK Limited dealt with his request to pay the final payment of a conditional sale agreement in instalments. What happened In November 2020, Mr M was supplied with a used car through a conditional sale agree... (3 pages)View decision -
Decision Reference DRN-6246347
22 Apr 2026 Oodle Financial Services Limited UpheldConsumer CreditDRN-6246347 The complaint Mr B is unhappy that a car supplied to him under a hire purchase agreement with Oodle Financial Services Limited trading as Oodle Car Finance (Oodle) was of an unsatisfactory quality. What happened In April 2025 Mr B was supplied with a used car through a hire ... (6 pages)View decision -
Decision Reference DRN-6168203
22 Apr 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6168203 The complaint Mr V complains about the actions of Barclays Bank UK PLC trading as Barclays following a Cifas marker being applied to his name. The background to this complaint is well known to both parties. So, if there’s a submission I’ve not addressed (including Mr V’s mo... (2 pages)View decision