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-6108083
10 Apr 2026 Equifax Limited UpheldConsumer CreditDRN-6108083 The complaint Mrs C complains Equifax Limited merged her credit file with another person, causing information to be reflected incorrectly. What happened In August 2025 Mrs C obtained a copy of her credit file via a third-party company I’ll refer to as S. This showed a relati... (3 pages)View decision -
Decision Reference DRN-6079675
10 Apr 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6079675 The complaint Mr H is unhappy that Revolut Ltd (Revolut) won’t reimburse money he lost to a scam. What happened The details of this complaint are well known to both parties, so I won’t repeat everything here. In summary, Mr H has advised he made payments from his Revolut ac... (3 pages)View decision -
Decision Reference DRN-6283038
10 Apr 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-6283038 The complaint Mr M’s complaint is, in essence, that Tandem Personal Loans Ltd (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 amended) (the ‘CCA’) and (2) decid... (11 pages)View decision -
Decision Reference DRN-6132647
10 Apr 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6132647 The complaint Mr K complains that HSBC UK Bank Plc won’t refund the money he lost when he was the victim of a scam. What happened In December 2025, Mr K says he was contacted by someone he thought was a friend of his who said they needed to borrow some money for gambling. A... (2 pages)View decision -
Decision Reference DRN-6194151
10 Apr 2026 American Express Services Europe Limited UpheldBanking and PaymentsDRN-6194151 The complaint Mr J complains that American Express Services Europe Limited (AESEL) closed his account leaving him with a large balance to pay. He’s also unhappy that the third party to whom AESEL transferred the debt failed to take a payment from his bank account leading to ... (3 pages)View decision -
Decision Reference DRN-6220460
10 Apr 2026 Bank of Scotland Plc Not upheldMortgagesDRN-6220460 The complaint Mr G’s complaint relates to a mortgage he has with Bank of Scotland plc trading as Birmingham Midshires. His concerns relate to the legal action Birmingham Midshires took in 2023. He believes that: • Birmingham Midshires solicitors incorrectly filed a document ... (3 pages)View decision -
Decision Reference DRN-6136730
10 Apr 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6136730 The complaint Miss K complains that Bank of Scotland plc won’t refund the money she lost when she was the victim of a scam. What happened In August 2025, Miss K was looking to book some driving lessons. She found a driving school advertised on a social media platform, conta... (2 pages)View decision -
Decision Reference DRN-5957168
10 Apr 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5957168 The complaint Mr B complains that Revolut Ltd won’t refund the money he lost when he was the victim of what he feels was a scam. What happened In mid-2025, Mr B made a number of payments from his Revolut account to an online gambling website. He says he won some money and s... (3 pages)View decision -
Decision Reference DRN-6223043
10 Apr 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6223043 The complaint Moneybarn No.1 Limited provided Mr J with a car finance agreement in August 2023. He borrowed £8,755 under a conditional sale agreement and was due to repay this over 60 months at £224.40 a month. Mr J says the agreement was provided irresponsibly. What happen... (2 pages)View decision -
Decision Reference DRN-6026300
10 Apr 2026 MONZO BANK LIMITED Not upheldBanking and PaymentsDRN-6026300 The complaint Mr A complains that MONZO BANK LIMITED recorded information about him on the Cifas national fraud database. What happened Mr A had an account with Monzo. In August 2024, Monzo decided to close Mr A’s account – and reported details of the closure to the Cifas na... (2 pages)View decision