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-6203033
11 Apr 2026 MBNA Limited Not upheldBanking and PaymentsDRN-6203033 The complaint Miss D complains that MBNA Limited trading as MBNA transferred her credit card debt to a third party despite having assured her during a phone call that the debt would remain with MBNA and that there was no pressure to repay it. What happened Miss D holds a cre... (3 pages)View decision -
Decision Reference DRN-6284945
11 Apr 2026 Western Union Payment Services GB Limited Not upheldBanking and PaymentsDRN-6284945 The complaint Mrs M complains that Western Union Payment Services GB Limited has not refunded a payment made in error. What happened Mrs M says she sent about £850 to her husband’s account in India using Western Union in August 2025. She says she made a mistake with the acco... (2 pages)View decision -
Decision Reference DRN-5274515
10 Apr 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5274515 The complaint Mr A’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 him under section 140A of the Consumer Cred... (19 pages)View decision -
Decision Reference DRN-6225183
10 Apr 2026 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-6225183 The complaint Ms J complains that American Express Services Europe Limited (AESEL) closed her credit card account without telling her. What happened Ms J holds a credit card account with AESEL. On 22 October 2025 Ms J discovered that her credit card had been cancelled. She c... (3 pages)View decision -
Decision Reference DRN-4544459
10 Apr 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-4544459 The complaint Mrs A’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 her under section 140A of the Consumer Cre... (18 pages)View decision -
Decision Reference DRN-5923712
10 Apr 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5923712 The complaint Ms N complains Clydesdale Financial Services Limited trading as Barclays Partner Finance (the “Lender”) has failed to honour a claim under Section 75 of the Consumer Credit Act 1974 (the “CCA”) and has participated in an unfair credit relationship with her unde... (6 pages)View decision -
Decision Reference DRN-6235276
10 Apr 2026 MONZO BANK LIMITED Not upheldBanking and PaymentsDRN-6235276 The complaint Miss D complains about Monzo Bank Limited. She says that she has been the victim of an investment scam and would like Monzo to refund her the money she has lost. What happened Miss D says that she was introduced to an individual I will refer to as ‘S’ through... (2 pages)View decision -
Decision Reference DRN-6211050
10 Apr 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6211050 The complaint Dr M complains about the lack of support they received from Lloyds Bank PLC when their card was blocked whilst abroad. What happened Dr M holds a credit card with Lloyds. On 21 August 2025 Dr M attempted a transaction with a car hire company. The transaction wa... (3 pages)View decision -
Decision Reference DRN-5719744
10 Apr 2026 Nationwide Building Society Not upheldBanking and PaymentsDRN-5719744 The complaint Mr H complains that Nationwide Building Society won’t provide him with a refund when he suffered a financial loss after making a payment following a threat of violence. What happened The detailed background to this complaint is well known to both parties. So, ... (3 pages)View decision -
Decision Reference DRN-6268296
10 Apr 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6268296 The complaint Mr I complains that HSBC UK Bank Plc (‘HSBC’) registered a Cifas marker against him without due cause. What happened The circumstances of this complaint are well known to both parties, so I will not go into every detail of what happened here. But, in summary, M... (2 pages)View decision