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 185209 results
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Decision Reference DRN-6165065
13 Apr 2026 PayrNet Limited Not upheldBanking and PaymentsDRN-6165065 The complaint Mrs K complains that PayrNet Limited (“PayrNet”) won’t refund the money she lost to an impersonation scam. Mrs K held a pre-paid “Spree” card. The e-money issuer for the card is PayrNet. For simplicity, I’ll refer to PayrNet throughout this decision. What happe... (3 pages)View decision -
Decision Reference DRN-6276581
13 Apr 2026 Loans 2 Go Limited Not upheldConsumer CreditDRN-6276581 The complaint Loans 2 Go Limited provided Mr M with a £1,000 loan in August 2023. Mr M says the credit was provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’t repeat them again here. The facts aren’t in dispute, so ... (2 pages)View decision -
Decision Reference DRN-6248328
13 Apr 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6248328 The complaint Miss P has complained about Clydesdale Financial Services Limited (trading as Barclays Partner Finance (BPF)) holding her liable for two debts. What happened To reflect my role of resolving disputes quickly with minimum formality, I’ll only briefly summarise wh... (4 pages)View decision -
Decision Reference DRN-6140810
13 Apr 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6140810 The complaint Miss J has complained that Bank of Scotland plc trading as Halifax has treated her unfairly regarding her overdraft interest. What happened In February 2025, Miss J spoke to a Halifax agent using the ‘live chat’ facility. During this chat, she was told that int... (2 pages)View decision -
Decision Reference DRN-5898268
13 Apr 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5898268 The complaint Mrs P’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’). What happened Mrs... (6 pages)View decision -
Decision Reference DRN-6252763
13 Apr 2026 JAJA FINANCE LTD Not upheldBanking and PaymentsDRN-6252763 The complaint Miss E complains that Jaja Finance Ltd irresponsibly lent to her. What happened Miss E was approved for a Jaja credit card in January 2025, with a £1,100 credit limit. Miss E says that this was irresponsibly lent to her. Miss E made a complaint to Jaja, who did... (2 pages)View decision -
Decision Reference DRN-6285367
13 Apr 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6285367 Complaint Mr M has complained about a credit limit increase Barclays Bank UK PLC (then trading as “Tesco Bank”) provided to him. He says that the credit limit increase shouldn’t have been provided as it ought to have been obvious that he was at risk from gambling harm. Back... (7 pages)View decision -
Decision Reference DRN-6214359
13 Apr 2026 Gain Credit LLC Not upheldConsumer CreditDRN-6214359 The complaint Mr M complains that Gain Credit LLC trading as Lending Stream (Lending Stream) irresponsibly entered into a fixed sum loan agreement with him. What happened Mr M applied for a loan with Lending Stream. He was given a loan for £1,500. The total repayable, inclu... (3 pages)View decision -
Decision Reference DRN-6285351
13 Apr 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-6285351 The complaint Mr H has made a complaint which is, in essence, that Tandem Personal Loans Ltd (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with Mr H under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA... (10 pages)View decision -
Decision Reference DRN-6276539
13 Apr 2026 Barclays Bank UK PLC Not upheldMortgagesDRN-6276539 The complaint Mr S complains that Barclays Bank UK PLC recorded a marker about him with Cifas, a fraud prevention database, in connection with a mortgage application he says he didn’t make. What happened In 2023 Barclays recorded a marker about Mr S with Cifas because it co... (2 pages)View decision