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-6235906
9 Apr 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6235906 The complaint Mr S complains that HSBC UK Bank Plc unfairly closed his accounts. Mr S adds that HSBC’s actions are not in line with regulations. Mr S says this situation has caused him stress, inconvenience and impacted his health. To put things right he wants his accounts ... (6 pages)View decision -
Decision Reference DRN-6033588
9 Apr 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-6033588 The complaint Mr V complains that Barclays Bank UK PLC unfairly closed his bank accounts without providing a proper explanation. What happened Mr V had a current account and savings account with Barclays. In May 2025, Barclays reviewed Mr V’s accounts. Following this on 27... (4 pages)View decision -
Decision Reference DRN-6211613
9 Apr 2026 PROPEL HOLDINGS (UK) LIMITED Not upheldConsumer CreditDRN-6211613 The complaint Mr D complains that PROPEL HOLDINGS (UK) LIMITED trading as Quidmarket (Quidmarket) gave him a loan without carrying out sufficient affordability checks. What happened Mr D was granted one instalment loan in June 2025 for £600 and he was due to make six monthl... (4 pages)View decision -
Decision Reference DRN-6266533
9 Apr 2026 Gain Credit LLC Not upheldConsumer CreditDRN-6266533 The complaint Mrs V complaints that Gain Credit LLC trading as Drafty (“Drafty”) gave her a line of credit and then increased her credit limit without carrying out sufficient affordability checks. What happened Mrs V was granted a running credit facility in January 2019. Th... (5 pages)View decision -
Decision Reference DRN-6257226
8 Apr 2026 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-6257226 The complaint Miss B complains that Shop Direct Finance Company Limited (Shop Direct) acted irresponsibly when they agreed to lend to her. What happened In April 2020, Miss B successfully opened an account with Shop Direct with a credit limit of £600. The credit limit was i... (3 pages)View decision -
Decision Reference DRN-6278464
8 Apr 2026 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-6278464 The complaint Mr I’s complaint is, in essence, that Mitsubishi HC Capital UK PLC (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) de... (19 pages)View decision -
Decision Reference DRN-6155357
8 Apr 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-6155357 The complaint Miss B complains a bout the interest she’s being charged on her credit card with Clydesdale Bank Plc trading as Virgin Money. What happened Miss B applied for a credit card with Virgin Money on 19 July 2021. Her application was approved with a credit limit of £... (2 pages)View decision -
Decision Reference DRN-6260198
8 Apr 2026 Bamboo Limited Not upheldConsumer CreditDRN-6260198 The complaint Mr C complains Bamboo Limited (“Bamboo”) irresponsibly lent to him. What happened Mr C took out an unsecured loan from Bamboo. The loan was approved on 1 May 2024 and this was for £5,000; the monthly repayments were £223.50 and the total repayable was £8,046. T... (3 pages)View decision -
Decision Reference DRN-6123195
8 Apr 2026 American Express Services Europe Limited UpheldBanking and PaymentsDRN-6123195 The complaint Mr M complains about the service he received from American Express Services Europe Limited (AESEL) when he contacted them about an unexplained credit. What happened Mr M holds a credit card with AESEL. In July 2025 Mr M contacted AESEL about an unexplained cred... (2 pages)View decision -
Decision Reference DRN-6007009
8 Apr 2026 Teya Solutions Ltd. UpheldBanking and PaymentsDRN-6007009 The complaint A company, which I’ll refer to as D, complains that following the transfer of its merchant acquiring services from another provider to Teya Solutions Limited (Teya), they failed to update its bank account details so that D could receive transaction settlements.... (3 pages)View decision