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
-
Decision Reference DRN-6145309
17 Feb 2026 Northern Bank Limited Not upheldBanking and PaymentsDRN-6145309 The complaint Mr and Mrs B have complained that Northern Bank Limited trading as Danske Bank (“Danske”) mis-sold them a fee-paying Choice Plus account in 2008. Mr and Mrs B say they were told that if they wanted to obtain a specific mortgage product, they had to have a fee-p... (2 pages)View decision -
Decision Reference DRN-6157270
17 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6157270 The complaint A limited company, which I’ll refer to as ‘D’ complains about Barclays Bank UK PLC regarding ongoing difficulties it encountered when trying to make bulk payments. D’s complaint is brought to this service by its director, whom I’ll refer to as ‘Mr C’. What ha... (3 pages)View decision -
Decision Reference DRN-6052061
17 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6052061 The complaint Mr I complains that NewDay Ltd trading as BIP (NewDay), lent to him irresponsibly when offering five credit limit increases to his account. What happened Mr I opened a BIP account with NewDay and was then offered and accepted five credit limit increases as sho... (5 pages)View decision -
Decision Reference DRN-6152140
17 Feb 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6152140 The complaint Mr G complains that NewDay Ltd trading as Fluid Credit Card lent irresponsibly when it approved his credit card application. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I said: Mr G applied ... (3 pages)View decision -
Decision Reference DRN-6158687
17 Feb 2026 Topaz Finance Limited Not upheldMortgagesDRN-6158687 The complaint Mr W complains that Topaz Finance Limited trading as Hyalite Mortgages hasn’t accepted a promissory note he sent it to pay his mortgage. He also complains that Hyalite isn’t his lender, because he didn’t agree to the mortgage being transferred from the previous... (2 pages)View decision -
Decision Reference DRN-6159264
17 Feb 2026 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-6159264 The complaint Mr A complains that Clydesdale Bank Plc trading as Virgin Money lent irresponsibly when it approved his credit card application. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I said: Mr A appl... (4 pages)View decision -
Decision Reference DRN-6075617
17 Feb 2026 Volkswagen Financial Services (UK) Limited Not upheldConsumer CreditDRN-6075617 The complaint Miss H is unhappy with the car supplied under the hire purchase agreement with Volkswagen Financial Services (UK) Limited trading as Porsche Financial Services (PFS). When I refer to what Miss H and PFS have said or did, it should also be taken to include thin... (5 pages)View decision -
Decision Reference DRN-6138934
17 Feb 2026 Madison CF UK Limited Not upheldConsumer CreditDRN-6138934 The complaint Mr T complains that Madison CF UK Limited trading as 118 118 Money irresponsibly gave him a fixed sum loan agreement he couldn’t afford to repay. What happened In July 2025, Mr T applied for a £2,000 loan with 118 118 Money which was approved. He was required t... (3 pages)View decision -
Decision Reference DRN-6004363
17 Feb 2026 Quidie Limited Not upheldConsumer CreditDRN-6004363 The complaint Miss K complains that Quidie Limited t/a Fernovo (“Fernovo”) lent to her irresponsibly and that the loans were unaffordable. What happened In December 2022 Miss K received a loan from Fernovo (“loan was for £400; for a 97-day term; with an interest rate of 1,25... (5 pages)View decision -
Decision Reference DRN-6124882
17 Feb 2026 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-6124882 The complaint Miss S complains American Express Services Europe Limited defaulted her credit card account. For ease, I’ll refer to American Express and its agents, as American Express in this decision. What happened The background to this complaint is well known to both pa... (3 pages)View decision