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-6086456
10 Apr 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6086456 The complaint Mr W 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 amende... (15 pages)View decision -
Decision Reference DRN-6127717
10 Apr 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6127717 The complaint Mr K’s and Mrs K’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’). What h... (10 pages)View decision -
Decision Reference DRN-6207363
10 Apr 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6207363 The complaint Miss S complains Lloyds Bank PLC transferred all of the funds in her current account – rather than £4,000 – into an ISA meaning she didn’t have access to her money when she needed it. She says this has caused her considerable distress and inconvenience. What ha... (2 pages)View decision -
Decision Reference DRN-6268009
10 Apr 2026 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-6268009 The complaint Miss A complains that Shop Direct Finance Company Limited (‘Shop Direct’), trading as Very, irresponsibly granted her credit she couldn’t afford to repay and caused her to get into financial difficulties as a result. What happened n March 2019, Miss A entered ... (3 pages)View decision -
Decision Reference DRN-5896946
10 Apr 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5896946 The complaint Mr H complains that Barclays Bank UK PLC (‘Barclays’) won’t reimburse the funds he says he lost to what he believes was a scam. What happened Based on the information I’ve been provided, my understanding is as follows. In 2020 Mr H was sent an email about an ... (5 pages)View decision -
Decision Reference DRN-6184585
10 Apr 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6184585 The complaint Mr M complained because Revolut Limited refused to refund him for transactions which he said he hadn’t authorised. What happened At 5.14am on 10 January 2026, Mr M contacted Revolut by chat. He said that that last two transactions on his account, to a gambling... (4 pages)View decision -
Decision Reference DRN-6260882
10 Apr 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6260882 The complaint Miss F complains about Bank of Scotland plc trading as ‘Halifax’. She is unhappy that Halifax hasn’t refunded her the full amount she lost when she fell victim to a job scam. What happened Miss F was looking for a way to make extra money. She says that everyo... (3 pages)View decision -
Decision Reference DRN-6235253
10 Apr 2026 MONZO BANK LIMITED Not upheldBanking and PaymentsDRN-6235253 The complaint Miss D complains about Monzo Bank Limited. She says that she has been the victim of a scam and would like Monzo to refund her the money she has lost as a result. What happened Miss D says that she has been the victim of a scam and has said that some payments ... (2 pages)View decision -
Decision Reference DRN-6150637
10 Apr 2026 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-6150637 The complaint Miss S complains that Capital One (Europe) plc, lent to her irresponsibly when they provided her with a credit card in 2021. What happened In April 2021, Miss S was provided with a credit card by Capital One, with a credit limit of £500. There were no later cr... (3 pages)View decision -
Decision Reference DRN-6280295
10 Apr 2026 Arval UK Limited Not upheldConsumer CreditDRN-6280295 The complaint Mr F complains that Arval UK Limited (Arval) applied unfair charges at the end of his hire agreement. He would like a charge for a missing key removed and charges for wheel repairs waived or significantly reduced. What happened Mr F told us that he took out a ... (3 pages)View decision