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-6149327
12 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6149327 The complaint Mrs 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 her under Section 140A of the Consumer Credit Act 1... (13 pages)View decision -
Decision Reference DRN-5949463
12 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5949463 The complaint Mr C’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 him under Section 140A of the Consumer Credit Act 197... (4 pages)View decision -
Decision Reference DRN-4661351
12 Feb 2026 Shawbrook Bank Limited UpheldConsumer CreditDRN-4661351 The complaint Mr and Mrs P’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)... (14 pages)View decision -
Decision Reference DRN-5846751
12 Feb 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5846751 The complaint Mr L complains that it was irresponsible for HSBC UK Bank Plc to give him a credit card. What happened In July 2016, Mr L applied for a credit card with HSBC. The bank agreed his application and offered a £5,000 credit limit. The limit hasn’t been changed. On 2... (4 pages)View decision -
Decision Reference DRN-6058979
12 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6058979 The complaint Mr B complains that Barclays Bank UK PLC trading as Tesco Bank (“Tesco”) declined his claim for money back in relation to a transaction that took place on his credit card account. What happened The facts in this case aren’t disputed, so I’ve only briefly set t... (4 pages)View decision -
Decision Reference DRN-6103822
12 Feb 2026 Creation Consumer Finance Limited Not upheldConsumer CreditDRN-6103822 The complaint Miss A complains that CREATION CONSUMER FINANCE LIMITED (Creation) refused to delay the start date of a credit agreement after the initially faulty item was replaced. What happened In January 2025 Miss A purchased an item from a merchant at a cost of £1,599. Th... (2 pages)View decision -
Decision Reference DRN-5574513
12 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5574513 The complaint Ms B has complained that Revolut Ltd won’t refund her the money she lost to a scam. What happened Ms B fell victim to an employment scam in early 2025 which resulted in her losing over £2,500. Upon realising she’d fallen victim to a scam she contacted Revolut a... (2 pages)View decision -
Decision Reference DRN-6129967
12 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6129967 The complaint Mr and Mrs H’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)... (12 pages)View decision -
Decision Reference DRN-5946750
12 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5946750 The complaint Mr D’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... (6 pages)View decision -
Decision Reference DRN-6148684
12 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6148684 The complaint Mr G and Mrs E’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 (... (11 pages)View decision