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-6146628
11 Feb 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-6146628 The complaint Your text here What happened Your text here What I’ve decided – and why I’ve considered all the available evidence and arguments to decide what’s fair and reasonable in the circumstances of this complaint. Your text here My final decision Your text here Under t... (1 page)View decision -
Decision Reference DRN-5892247
11 Feb 2026 UK Mortgage Lending Ltd Not upheldMortgagesDRN-5892247 The complaint Miss G and Mr M complain that UK Mortgage Lending Ltd trading as Pepper Money would not agree to postpone its charge in favour of their first charge mortgage lender. As a result they say they were left with no choice but to repay their second charge mortgage wi... (4 pages)View decision -
Decision Reference DRN-5868815
11 Feb 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5868815 The complaint Mr D complains Lloyds Bank PLC 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 D held a Lloyds account and following a... (3 pages)View decision -
Decision Reference DRN-5744672
11 Feb 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5744672 The complaint Ms G complains that Lloyds Bank PLC have held her responsible for payments made from her account. The background to this complaint are well known to both parties. So, if there’s a submission I’ve not addressed; it isn’t because I’ve ignored the point. It’s sim... (2 pages)View decision -
Decision Reference DRN-5823537
11 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5823537 The complaint Mr W’s complaint is, in essence, that Mitsubishi HC Capital UK Plc, trading as Hitachi Capital (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 1974 (as am... (11 pages)View decision -
Decision Reference DRN-6146091
11 Feb 2026 PayPal UK Ltd Not upheldBanking and PaymentsDRN-6146091 THE COMPLAINT Mr A complains that PayPal UK Ltd (“PayPal”) will not reimburse him money he says he lost when he fell victim to fraud. Mr A is represented in this matter. WHAT HAPPENED On 8 January 2026, I issued a provisional decision not upholding this complaint. I attach... (5 pages)View decision -
Decision Reference DRN-6079324
11 Feb 2026 Black Horse Limited Not upheldConsumer CreditDRN-6079324 The complaint X is unhappy that a car supplied to him under a hire purchase agreement with Black Horse Limited was of an unsatisfactory quality. What happened In September 2024, X was supplied with a used car through a hire purchase agreement with Black Horse. The agreement... (3 pages)View decision -
Decision Reference DRN-5818366
11 Feb 2026 PRA Group (UK) Limited Not upheldConsumer CreditDRN-5818366 The complaint Mrs G complains that PRA Group (UK) Limited (PRA) declined her request for a medical write off of her debt. What happened Mrs G had two loan accounts with a B I’ll call L. Unfortunately, she was unable to maintain the repayments of the loans and in September 20... (2 pages)View decision -
Decision Reference DRN-6054675
11 Feb 2026 Nationwide Building Society UpheldBanking and PaymentsDRN-6054675 The complaint Mrs G complains about what she describes as disability discrimination and a lack of support from Nationwide in relation to her overdraft. Mrs G says Nationwide failed to provide proper help and support when she reached out to it for help and it has continued to... (6 pages)View decision -
Decision Reference DRN-6139224
11 Feb 2026 Starling Bank Limited Not upheldBanking and PaymentsDRN-6139224 The complaint Mr C complains that Starling Bank Limited failed to protect him as a vulnerable customer when it was clear from his account activity that he was in serious financial and emotional difficulty due to gambling. What happened Mr C says that between January and Dece... (3 pages)View decision