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 179851 results
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Decision Reference DRN-5979399
18 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5979399 The complaint Mr R complains about how Revolut Ltd failed to meaningfully intervene after he made them aware of a gambling problem. Accordingly, Mr R would like Revolut to refund the transactions, and award compensation. What happened The details of this case are well known ... (3 pages)View decision -
Decision Reference DRN-5911198
18 Feb 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5911198 The complaint Miss C complains that Bank of Scotland plc trading as Halifax, mishandled her student account after it was changed to a current account, by not displaying this on her banking app. She said this led to an unfair default being placed on her credit file. What hap... (4 pages)View decision -
Decision Reference DRN-6001157
18 Feb 2026 Gain Credit LLC UpheldConsumer CreditDRN-6001157 The complaint Mr L complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) gave him loans without carrying out sufficient affordability checks. Had better checks been made Lending Stream would’ve realised Mr L was gambling. What happened A summary of Mr ... (4 pages)View decision -
Decision Reference DRN-5932226
18 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5932226 The complaint Miss S complains that Revolut Ltd (‘Revolut’) won’t refund the money she lost after falling victim to a scam. What happened The background to this complaint isn’t in dispute, so I won’t go into detail. In summary, Miss S fell victim to a job scam. She was loo... (4 pages)View decision -
Decision Reference DRN-6018981
18 Feb 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6018981 The complaint Miss S complains that Monzo Bank Ltd (‘Monzo’) won’t refund the money she lost after falling victim to a scam. What happened The background to this complaint isn’t in dispute, so I won’t go into detail. In summary, Miss S fell victim to a job scam. She was lo... (4 pages)View decision -
Decision Reference DRN-6050357
18 Feb 2026 PROPEL HOLDINGS (UK) LIMITED Not upheldConsumer CreditDRN-6050357 The complaint Mr C complains that PROPEL HOLDINGS (UK) LIMITED trading as Quidmarket (Quidmarket) gave him a loan which wasn’t affordable for him. What happened Mr C was advanced one instalment loan of £300 in March 2025, and he was due to make 13 weekly payments of £34.07. ... (3 pages)View decision -
Decision Reference DRN-5925605
17 Feb 2026 Advantage Finance Ltd UpheldConsumer CreditDRN-5925605 The complaint Miss C complains that sufficient checks weren’t completed by Advantage Finance Limited before it supplied a car to her under a hire purchase agreement. What happened A used car was supplied to Miss C under a hire purchase agreement with Advantage Finance that s... (3 pages)View decision -
Decision Reference DRN-6091114
17 Feb 2026 ONMO Limited Not upheldBanking and PaymentsDRN-6091114 The complaint Mr N complains that ONMO Limited (ONMO) acted irresponsibly when they agreed to lend to him. What happened In October 2024, Mr N successfully applied for a credit card with ONMO with an initial credit limit of £2,000 and an APR of 28.5%. In March 2025, the cre... (4 pages)View decision -
Decision Reference DRN-6158164
17 Feb 2026 Startline Motor Finance Limited UpheldConsumer CreditDRN-6158164 The complaint Miss C complains that a car that was supplied to her under a hire purchase agreement with Startline Motor Finance Limited wasn’t of satisfactory quality. What happened I issued a provisional decision on this complaint earlier this month in which I described wha... (5 pages)View decision -
Decision Reference DRN-6064434
17 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6064434 The complaint Mr D complains that NewDay Ltd, trading as BIP, lent to him irresponsibly, and then increased the credit limit on the account, without carrying out proper affordability checks. He would like all the interest and charges associated with the credit card account r... (3 pages)View decision