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-6158222
17 Feb 2026 Santander Consumer (UK) Plc Not upheldConsumer CreditDRN-6158222 The complaint Mr S has complained that he cannot reconcile the amount of interest charged with the stated interest rate on the conditional sale agreement with Santander Consumer (UK) Plc, trading as Kia Financial Services, (“Santander”) for his car. What happened Mr S acqui... (2 pages)View decision -
Decision Reference DRN-6160156
17 Feb 2026 TSB Bank plc UpheldConsumer CreditDRN-6160156 The complaint Mrs B complains that TSB Bank plc recorded incorrect information on her credit file and continued to write to her about her closed loan account. What happened Mrs B had a loan account with TSB. In 2019, she entered into sequestration. Since then, TSB continued ... (2 pages)View decision -
Decision Reference DRN-6160017
17 Feb 2026 Revolut Ltd UpheldBanking and PaymentsDRN-6160017 The complaint Mr D complains that Revolut Ltd (Revolut) won’t refund money he lost when he fell victim to an investment scam. Mr D is being represented in this complaint. What happened Mr D says he found an advertisement for a supposed ‘investment’ company, who I’ll call T... (6 pages)View decision -
Decision Reference DRN-5568416
17 Feb 2026 Revolut Ltd UpheldBanking and PaymentsDRN-5568416 The complaint A company which I’ll call ‘T’ complains that Revolut Ltd mis-sold it an account which wasn’t suitable for its needs and wouldn’t refund the fees associated with the account. The complaint is brought on T’s behalf by its director, Mx K. What happened Mx K told... (4 pages)View decision -
Decision Reference DRN-6136789
17 Feb 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6136789 The complaint Miss H complains that Monzo Bank Ltd (“Monzo”) won’t reimburse losses she incurred as part of a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat it in detail here. But in summary, I understand it to be as fo... (3 pages)View decision -
Decision Reference DRN-5821922
17 Feb 2026 New Wave Capital Limited UpheldBanking and PaymentsDRN-5821922 The complaint Mr S complains that New Wave Capital Limited (trading as Capital on Tap) misadvised him about the impact to his credit report of entering an arrangement to repay the debts of a limited company. What happened Mr S personally guaranteed the debts of his limited ... (3 pages)View decision -
Decision Reference DRN-6059051
17 Feb 2026 Zopa Bank Limited Not upheldBanking and PaymentsDRN-6059051 The complaint Mr B complains that Zopa Bank Limited gave him a credit card he couldn’t afford to repay. What happened On 12 September 2025 Zopa agreed a £500 credit card limit. Mr B has said he doesn’t believe Zopa completed proportionate checks before agreeing the credit ca... (3 pages)View decision -
Decision Reference DRN-6160031
17 Feb 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6160031 The complaint Mr M complains that Monzo Bank Ltd (Monzo, hereinafter) hasn’t refunded the losses he’s incurred when falling victim to a job task scam. What happened The facts are well known to both parties, so I have outlined the key details. In summary, Mr M says he was ap... (8 pages)View decision -
Decision Reference DRN-6156249
17 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6156249 The complaint Mr R’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... (12 pages)View decision -
Decision Reference DRN-5872052
17 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-5872052 The complaint Mr H complains that NewDay Ltd (trading as Pulse) defaulted his account without notifying him. What happened Mr H says he contacted Pulse about his health condition, and, following reassurance that he shouldn’t worry, it sent no further correspondence until he... (3 pages)View decision