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-6110888
16 Feb 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6110888 Complaint Miss A has complained about the overdraft charges Monzo Bank Ltd (“Monzo”) applied to her current account. She’s effectively said the charges applied to her account were unfair as shouldn’t have been provided the overdraft in the first place. Furthermore, there was... (5 pages)View decision -
Decision Reference DRN-5940267
15 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5940267 The complaint Mrs T’s complaint is, in essence, that Clydesdale Financial Services trading as Barclays Partner Finance, (the ‘Lender’), acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act ... (4 pages)View decision -
Decision Reference DRN-6154849
15 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6154849 The complaint Mrs M’s complaint is, in essence, that Clydesdale Financial Services trading as Barclays Partner Finance, (the ‘Lender’), acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act ... (4 pages)View decision -
Decision Reference DRN-6069204
15 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6069204 The complaint Miss M complains that Barclays Bank UK PLC (Barclays) didn’t do enough to protect her when she fell victim to a scam. Miss M is represented in this matter, but for ease of reading I will refer to Miss M throughout this decision. What happened Miss M says that a... (3 pages)View decision -
Decision Reference DRN-6154766
15 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6154766 The complaint Mr J’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 Credi... (6 pages)View decision -
Decision Reference DRN-6086007
15 Feb 2026 BMW Financial Services (GB) Limited Not upheldConsumer CreditDRN-6086007 The complaint Mr M complains that BMW FINANCIAL SERVICES (GB) LIMITED, trading as BMW Financial Services, failed to act fairly and reasonably towards him when entering into a hire purchase agreement with him. He complained that BMW didn’t disclose the commission it paid to ... (3 pages)View decision -
Decision Reference DRN-5976327
14 Feb 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-5976327 The complaint Mr S complains about how Wise Payments Limited dealt with a payment. What happened Mr S made a payment in around July 2025 for £1.50 using his Wise account card which was linked to an account he held with a different provider I will call “C”. He says the paymen... (2 pages)View decision -
Decision Reference DRN-6138414
13 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6138414 The complaint Mr P’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-5447694
13 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5447694 The complaint Mr and Mrs B’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2)... (13 pages)View decision -
Decision Reference DRN-5829816
13 Feb 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-5829816 The complaint Mr M complains that Santander UK Plc, is refusing to refund the money he lost as the result of a scam. Mr M is represented by a third party. To keep things simple, I will refer to Mr M throughout my decision. What happened The background of this complaint is we... (4 pages)View decision