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 171072 results
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Decision Reference DRN-5577825
11 Aug 2025 LEASYS UK LTD UpheldConsumer CreditDRN-5577825 The complaint Mrs O is unhappy that LEASYS UK LTD trading as Leasys incorrectly recorded missed payments on her credit file. What happened Mrs O entered into a novation agreement, taking over the obligations of a principal hire agreement, with Leasys. The agreement came to a... (2 pages)View decision -
Decision Reference DRN-5435118
11 Aug 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5435118 The complaint Mr Y complains that Barclays Bank UK PLC unfairly closed his account and recorded a Credit Industry Fraud Avoidance System (CIFAS) marker against his name. What happened Mr Y’s newly opened account with Barclays was closed immediately after being open for a few... (2 pages)View decision -
Decision Reference DRN-5134973
11 Aug 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5134973 The complaint Mr H complains Revolut Ltd (“Revolut”) won’t refund the money he lost to a cryptocurrency investment scam. What happened I issued a provisional decision in July 2025 to explain why I thought Mr H’s complaint should be partially upheld. And I said I’d consider a... (6 pages)View decision -
Decision Reference DRN-5537840
11 Aug 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5537840 The complaint Mr P complains National Westminster Bank Public Limited Company lent to him irresponsibly when they approved his applications to increase his overdraft limits. He also says they failed to properly monitor his use of the overdraft. What happened Mr P was grante... (3 pages)View decision -
Decision Reference DRN-5739619
11 Aug 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5739619 The complaint Mrs S complains how Barclays Bank UK Plc trading as Barclaycard recorded a refund for a transaction on her credit card account. Mrs S has also complained about Barclaycard’s handling of her data subject access request “DSAR”. What happened In July 2024, Mrs S ... (5 pages)View decision -
Decision Reference DRN-5721004
11 Aug 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5721004 The complaint Mr V’s complaint is that Moneybarn No. 1 Limited trading as Moneybarn provided him with an unaffordable regulated credit agreement to finance a vehicle. Mr V’s complaint has been brought by a professional representative, but for ease I’ve referred to all submi... (4 pages)View decision -
Decision Reference DRN-5688577
11 Aug 2025 Lendable Ltd UpheldConsumer CreditDRN-5688577 The complaint Mr T says Lendable Ltd irresponsibly lent to him. What happened Mr T took out a loan for £2,000 over 36 months from Lendable on 12 December 2023. The monthly repayments were £96.74. Mr T says Lendable ought not to have lent to him, had it reviewed his bank stat... (2 pages)View decision -
Decision Reference DRN-5460314
11 Aug 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5460314 The complaint W, a limited company, has complained Revolut Ltd did nothing to identify and stop a fraudulent payment being made to one of their customer’s accounts. What happened W operates as a small business and holds an account with a bank that I’ll refer to as B. In Marc... (3 pages)View decision -
Decision Reference DRN-5698562
11 Aug 2025 Lloyds Bank PLC UpheldBanking and PaymentsDRN-5698562 The complaint Mr S complains that Lloyds Bank PLC declined his application for a credit limit increase. What happened Mr S holds a credit card with Lloyds. As at August 2024 the card had a credit limit of £11,000. In August 2024 Mr S transferred the balance on his account to... (3 pages)View decision -
Decision Reference DRN-5466229
11 Aug 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5466229 The complaint Miss P complains that Revolut Ltd hasn’t reimbursed the money she lost to two separate scams in 2023. What happened Scam 1 Miss P says she invested in cryptocurrency with a company I’ll refer to as ‘P’ and realised she’d fallen victim to a scam when she was req... (4 pages)View decision
