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-6279502
9 Apr 2026 Volkswagen Financial Services (UK) Limited Not upheldConsumer CreditDRN-6279502 The complaint Miss C complains that Volkswagen Financial Services (UK) Limited trading as Audi Finance (VWFS) provided her with an unaffordable hire purchase agreement. Miss C’s complaint has been referred to us by a professional representative but for ease I’ve referred to... (4 pages)View decision -
Decision Reference DRN-6164293
9 Apr 2026 BMW Financial Services (GB) Limited Not upheldConsumer CreditDRN-6164293 The complaint Mr M complains that a van acquired under a hire purchase agreement with BMW Financial Services (GB) Limited trading as Alphera Financial Services (“Alphera”) wasn’t of satisfactory quality when it was supplied to him. What happened Both parties are familiar wi... (3 pages)View decision -
Decision Reference DRN-6154787
9 Apr 2026 Metro Bank PLC Not upheldBanking and PaymentsDRN-6154787 The complaint Mr A complains Metro Bank PLC unfairly added his details to a fraud database. What happened Mr A called Metro to let it know he’d been overcharged for a card purchase. Metro took Mr A through other transactions, and he said he’d not made several of the paymen... (4 pages)View decision -
Decision Reference DRN-6161865
9 Apr 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-6161865 The complaint S, a limited company, complains about the length of time it took Wise Payments Limited to complete checks on its account, as well as the documents it was asked to provide. It also complains that its account was restricted while the checks were being carried out... (4 pages)View decision -
Decision Reference DRN-6257368
9 Apr 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6257368 The complaint Mr C complains that Lloyds Bank PLC irresponsibly lent to him. What happened Mr C was approved for a Lloyds credit card in June 2022, with a £3,100 credit limit. Mr C says that Lloyds irresponsibly lent to him. Mr C made a complaint to Lloyds who did not uphold... (3 pages)View decision -
Decision Reference DRN-5861522
9 Apr 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5861522 The complaint Mr R’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (‘BPF’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 19... (7 pages)View decision -
Decision Reference DRN-6209949
9 Apr 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6209949 The complaint Miss M complains that NewDay Ltd trading as Marbles irresponsibly lent to her. What happened Miss M was approved for a Marbles credit card in June 2021, with a £900 credit limit. I have set out the credit limit increases below: November 2021 £900 to £1,900 Apri... (6 pages)View decision -
Decision Reference DRN-6207153
9 Apr 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6207153 The complaint Ms B complains that NewDay Ltd trading as Pulse lent to her irresponsibly. What happened Ms B applied for and was given a credit card with NewDay. The credit limit agreed was as follows: Date Event Credit limit December 2017 Account opening £750May 2018Credit ... (3 pages)View decision -
Decision Reference DRN-6021695
9 Apr 2026 MONZO BANK LIMITED Not upheldBanking and PaymentsDRN-6021695 The complaint Mr and Mrs F are unhappy MONZO BANK LIMITED (‘Monzo’), won’t refund the money Mr F lost after falling victim to an authorised push payment (‘APP’) purchase scam whereby he sent money to an account held at Monzo. While the disputed payment was made from a joint... (4 pages)View decision -
Decision Reference DRN-6203807
9 Apr 2026 Zopa Bank Limited Not upheldBanking and PaymentsDRN-6203807 The complaint Mr K complains that Zopa Bank Limited irresponsibly lent to him. What happened Mr K was approved for a Zopa credit card in November 2024, with a £1,200 credit limit. Mr K says that Zopa irresponsibly lent to him. Mr K made a complaint to Zopa, who did not uphol... (3 pages)View decision