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 170827 results
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Decision Reference DRN-5899441
22 Oct 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldConsumer CreditDRN-5899441 The complaint Mrs B complains National Westminster Bank Public Limited Company lent to her irresponsibly. What happened Mrs B complains about NatWest’s lending decisions below: Loan Date Capital Interest rate Term Monthly Repayment Purpose of loan 1 November 2020 £5,00015.... (3 pages)View decision -
Decision Reference DRN-5733642
22 Oct 2025 Marsh Finance Limited UpheldConsumer CreditDRN-5733642 The complaint Miss D complains that Marsh Finance Limited’s creditworthiness and affordability risk assessments for a hire purchase agreement, under which a car was supplied to her, were unsatisfactory and that there was an unfair relationship. She’s being represented by a l... (3 pages)View decision -
Decision Reference DRN-5722648
22 Oct 2025 RCI Financial Services Limited Not upheldConsumer CreditDRN-5722648 The complaint Mr O complains that a car that was supplied to him under a hire purchase agreement with RCI Financial Services Limited, trading as Mobilize Financial Services, wasn’t of satisfactory quality. What happened A new car was supplied to Mr O under a hire purchase ag... (4 pages)View decision -
Decision Reference DRN-5534590
22 Oct 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5534590 The complaint Mr C has complained that Bank of Scotland plc trading as Halifax won’t refund money he says he lost to a scam. What happened Mr C says he received a text message informing him that he was due a reward in relation to cryptocurrency and a link to the platform wa... (3 pages)View decision -
Decision Reference DRN-5640796
22 Oct 2025 Gain Credit LLC UpheldConsumer CreditDRN-5640796 The complaint Mrs C complains that Gain Credit LLC trading as Lending Stream irresponsibly lent to her. What happened Lending Stream lent Mrs C a loan in August 2024, the loan was for £240 with a six-month term. The highest monthly instalment was £85.64. Mrs C complained t... (3 pages)View decision -
Decision Reference DRN-5802874
22 Oct 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5802874 The complaint S a limited company complains Clydesdale Bank Plc trading as Virgin Money unfairly closed it’s account and released its funds in the incorrect currency. S is represented by its director – Mr P. What happened The facts of the complaint are well known to both p... (4 pages)View decision -
Decision Reference DRN-5699775
22 Oct 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5699775 The complaint Mr and Mrs W complain that Nationwide Building Society blocked their joint account for 70 days causing distress and inconvenience and financial loss. What happened Mr and Mrs W have a joint account with Nationwide which they managed with the help of family memb... (2 pages)View decision -
Decision Reference DRN-5895163
22 Oct 2025 North Edinburgh and Castle Credit Union Limited Not upheldConsumer CreditDRN-5895163 The complaint Mr R is complaining about how North Edinburgh and Castle Credit Union Limited trading as Castle Community Bank (CCB) reported his loan to credit reference agencies (CRAs). What happened In September 2022, CCB granted Mr R a £3,000 loan. The term was two years, ... (3 pages)View decision -
Decision Reference DRN-5856780
22 Oct 2025 Bank of Scotland Plc Not upheldMortgagesDRN-5856780 The complaint The estate of Ms I has complained about the service provided by Bank of Scotland plc trading as Birmingham Midshires following the death of Ms I. The estate is being represented in bringing this complaint by Mrs H in her capacity as Administrator. Any reference... (6 pages)View decision -
Decision Reference DRN-5594020
22 Oct 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5594020 The complaint Mr D complains that Revolut Ltd refused an application for an account. What happened Mr D applied for an account with Revolut in 2025. But Revolut says he’d previously had an account with them which it closed in February 2021. It says this means he cannot open ... (2 pages)View decision
