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-6052851
11 Feb 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-6052851 The complaint A company which I’ll call ‘C’ complains Santander UK Plc gave notice in July 2025 that it planned to migrate its account, which is free from fees to an account which incurs a monthly fee from October 2025. C says this is unfair as, when it opened the account, i... (4 pages)View decision -
Decision Reference DRN-5893368
11 Feb 2026 Al Rayan Bank PLC Not upheldBanking and PaymentsDRN-5893368 The complaint Mr W complains that Al Rayan Bank PLC (Al Rayan) has not refunded him £70,000 that he lost as the victim of a scam. Mr W’s representatives say Al Rayan failed to identify that Mr W’s transactions were out of character and did not intervene sufficiently to warn ... (4 pages)View decision -
Decision Reference DRN-6031280
11 Feb 2026 BMW Financial Services (GB) Limited Not upheldConsumer CreditDRN-6031280 The complaint Mr D complains that it was not explained properly to him that there was a balloon payment at the end if he wanted to own the car, in relation to his hire purchase agreement for a car supplied by BMW FINANCIAL SERVICES (GB) LIMITED trading as ALPHERA Financial S... (3 pages)View decision -
Decision Reference DRN-5734331
11 Feb 2026 J.P. Morgan Europe Limited Not upheldBanking and PaymentsDRN-5734331 The complaint Mr M complains that JP Morgan Europe Limited (trading as Chase) acted unreasonably and violated the terms and conditions of his account when applying foreign exchange rates to two transactions he made. What happened Mr M made two transactions on his Chase card... (3 pages)View decision -
Decision Reference DRN-6050359
11 Feb 2026 PDL Finance Limited Not upheldConsumer CreditDRN-6050359 The complaint Mr T complains that PDL Finance Limited trading as Mr Lender lent to him irresponsibly four times between April 2022 and January 2025. What happened The loans ranged from £200 to £790. There were significant gaps between Loans 1 and 2 and Loans 3 and 4. The de... (2 pages)View decision -
Decision Reference DRN-6078259
11 Feb 2026 The Enterprise Fund Limited Not upheldConsumer CreditDRN-6078259 The complaint Mr N complains that The Enterprise Fund Limited “The Enterprise Fund” didn’t accept a bill of exchange as a means of paying the balance on his loan. What happened Aside from setting out Mr N’s complaint, I won’t repeat the facts of the case here, as those aren... (3 pages)View decision -
Decision Reference DRN-5996852
11 Feb 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5996852 The complaint Ms B complains that Bank of Scotland plc trading as “Halifax” declined a transaction she attempted to make while she was away on holiday. What happened Ms B says she went on holiday and before travelling, she let Halifax know. She went to a restaurant for her ... (2 pages)View decision -
Decision Reference DRN-6136555
11 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6136555 The complaint Mr C says Revolut Ltd unfairly closed his account. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key events here. Mr C opened his Revolut account in June 2024. On 1... (3 pages)View decision -
Decision Reference DRN-5970275
11 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-5970275 The complaint Mr N complains about the way NewDay Ltd (“NewDay”) dealt with his attempt to pay his credit card balance with a bill of exchange. What happened Aside from setting out Mr N’s complaint, I won’t repeat all the facts of the case here, as those aren’t in dispute. ... (4 pages)View decision -
Decision Reference DRN-5111688
11 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5111688 The complaint Mrs B’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Cred... (14 pages)View decision