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 185689 results
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Decision Reference DRN-5988628
15 Apr 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5988628 The complaint Mrs W complains that Lloyds Bank PLC (“Lloyds”) won’t refund her money, which she believes she has lost to a scam. What happened The background to this complaint is well known to all parties, so I won’t repeat it in detail here. But in summary, I understand it... (5 pages)View decision -
Decision Reference DRN-6272885
15 Apr 2026 Moneybarn Limited Not upheldConsumer CreditDRN-6272885 The complaint Mr S complains about the quality of a car he has been financing through an agreement with Moneybarn Limited trading as Moneybarn. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of so... (2 pages)View decision -
Decision Reference DRN-6290630
15 Apr 2026 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-6290630 The complaint Mr H’s complaint is, in essence, that Mitsubishi HC Capital UK PLC trading as Novuna Consumer 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 Act 1974... (16 pages)View decision -
Decision Reference DRN-6282143
15 Apr 2026 Tandem Motor Finance Limited UpheldConsumer CreditDRN-6282143 The complaint Miss D complains that a car that was supplied to her under a hire purchase agreement with Tandem Motor Finance Limited wasn’t of satisfactory quality. What happened A used car was supplied to Miss D under a hire purchase agreement with Tandem Motor Finance that... (3 pages)View decision -
Decision Reference DRN-6078340
15 Apr 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-6078340 The complaint Zopa Bank Limited provided Mr H with a £6,000 loan in September 2023 and a £5,000 loan in March 2025. Mr H says the loans were provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’t repeat them again here... (2 pages)View decision -
Decision Reference DRN-6083356
15 Apr 2026 Nationwide Building Society Not upheldConsumer CreditDRN-6083356 The complaint Mr P complains about the way Nationwide Building Society (“Nationwide”) communicated with him in relation to an outstanding balance on his credit card account. What happened Mr P has a credit card account with Nationwide. In March 2025, Mr P, via a debt charit... (3 pages)View decision -
Decision Reference DRN-6100073
15 Apr 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6100073 THE COMPLAINT Mr D’s complaint is about Barclays Bank UK PLC (“Barclays”). WHAT HAPPENED The circumstances of this complaint are well known to all parties concerned, so I will not repeat them again here in detail. However, I will provide an overview. Mr D says he fell victi... (3 pages)View decision -
Decision Reference DRN-6007519
15 Apr 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-6007519 The complaint Mr H complains that Wise Payments Limited trading as Wise (“Wise”) hasn’t refunded him the money he lost, after he fell victim to an Authorised Push Payment (“APP”) scam. What happened The background to this complaint is well known to all parties, so I won’t r... (3 pages)View decision -
Decision Reference DRN-6256236
15 Apr 2026 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-6256236 The complaint Mr M is unhappy that American Express Services Europe Limited (AMEX) won’t refund payments he made because of an impersonation scam. What happened On 13 December 2025, Mr M received a phone call from who he thought was a representative from the Financial Condu... (3 pages)View decision -
Decision Reference DRN-6011387
15 Apr 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6011387 The complaint The estate of Mr N’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 Mr N under Section 140A of the ... (17 pages)View decision