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 170994 results
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Decision Reference DRN-5690525
18 Jul 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5690525 The complaint Mr C complains about the service he received from HSBC UK Bank Plc, following an application he made for a credit card. What happened In May 2025, Mr C made a credit card application with HSBC. Upon making the application, Mr C received a text message shortly ... (3 pages)View decision -
Decision Reference DRN-4617926
18 Jul 2025 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-4617926 The complaint Mr B’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 Credit A... (22 pages)View decision -
Decision Reference DRN-5568033
18 Jul 2025 Freemans Plc Not upheldConsumer CreditDRN-5568033 The complaint Miss H complains that Freemans Plc were negligent and dishonest based on information she received during a call in September 2024. What happened Miss H says that Freemans issued a default notice in January 2024 which stated her account had arrears of £123.51. ... (3 pages)View decision -
Decision Reference DRN-5696715
18 Jul 2025 ZILCH TECHNOLOGY LIMITED Not upheldConsumer CreditDRN-5696715 The complaint Mr D complains that Zilch Technology Limited (Zilch) reported incorrect information onto his credit report for an account he holds with it. What happened Mr D says he entered into the Debt Respite Scheme (known as breathing space) with the help of the Insolvenc... (2 pages)View decision -
Decision Reference DRN-4931620
18 Jul 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-4931620 The complaint Mr H complains that Revolut Ltd has declined to reimburse payments made in relation to a scam. What happened In August 2023 Mr H received a call from a scammer impersonating a well-known selling platform. He was convinced his account was at risk and that he nee... (3 pages)View decision -
Decision Reference DRN-5170586
18 Jul 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5170586 The complaint Mr M is unhappy that Revolut Ltd won’t reimburse money he lost to a scam. The complaint is brought on Mr M’s behalf by a professional representative. What happened The background to this complaint is well known to both parties, so I won’t repeat everything he... (5 pages)View decision -
Decision Reference DRN-5702875
18 Jul 2025 EE Limited Not upheldConsumer CreditDRN-5702875 The complaint Mr H has complained that he’s unhappy with how EE Limited treated him when he entered into a contract with it to supply a phone. What happened Mr H entered into an agreement with EE in August 2024. He was supposed to be supplied a phone and an airtime contract... (3 pages)View decision -
Decision Reference DRN-5651392
18 Jul 2025 Barclays Bank UK PLC Not upheldConsumer CreditDRN-5651392 The complaint Mr H complains that Barclays Bank UK PLC, trading as Tesco Bank, irresponsibly provided him with a loan. He’s also unhappy with the interest rate applied to the loan, and how it’s been reported to Credit Reference Agencies (“CRAs”). What happened In July 2024,... (3 pages)View decision -
Decision Reference DRN-5665449
18 Jul 2025 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-5665449 The complaint Mrs B complains about the administration of her credit card by Sainsbury’s Bank Plc. What happened Mrs B held a credit card account with Sainsbury’s Bank. In 2024, she complained about how the account had been administered; in summary, she was unhappy with how... (3 pages)View decision -
Decision Reference DRN-5601029
18 Jul 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5601029 The complaint Mr C complains that Lloyds Bank plc incorrectly advised him on how money could be sent to Australia leading to a financial loss. What happened Mr C needed to make a payment to his sister’s account in Australia. His sister sent details of her account with anothe... (3 pages)View decision
