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 130332 results
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Decision Reference DRN-6189667
2 Mar 2026 Omni Capital Retail Finance Limited UpheldConsumer CreditDRN-6189667 The complaint Mr A complains about a fixed sum loan agreement he took out with Omni Capital Retail Finance Limited trading as “Omni Capital”. What happened On 3 November 2022, Mr A entered into a contract for a training course with a merchant I’ll refer to as “K”. He paid a... (7 pages)View decision -
Decision Reference DRN-6005202
2 Mar 2026 Bank of Scotland Plc UpheldBanking and PaymentsDRN-6005202 The complaint Mr W complains about Bank of Scotland plc trading as Halifax’s decision not to uphold a dispute about a service he paid for in part with his Halifax credit card. What happened In March 2023 Mr W purchased services for tax advice and management from a merchant (... (4 pages)View decision -
Decision Reference DRN-6185751
2 Mar 2026 TSB Bank plc UpheldBanking and PaymentsDRN-6185751 The complaint Mr L is unhappy with how TSB Bank plc have handled the closure of his current account. What happened I issued my provisional decision to both parties explaining why I thought Mr L’s complaint should be upheld in part and invited both parties to provide any fur... (6 pages)View decision -
Decision Reference DRN-5990497
2 Mar 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5990497 The complaint Mr K is unhappy with how Barclays Bank UK PLC handled disputes (chargebacks) he raised about transactions made from his Barclays Bank Account. What happened Mr K approached Barclays in mid-November 2024 to raise disputes about multiple transactions from his ban... (3 pages)View decision -
Decision Reference DRN-6182965
2 Mar 2026 LEASYS UK LTD UpheldConsumer CreditDRN-6182965 The complaint Mr C complains about LEASYS UK LTD (LEASYS) actions when a car he was financing through them broke down. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key events here... (3 pages)View decision -
Decision Reference DRN-6191113
2 Mar 2026 ReAssure Limited UpheldPensions and AnnuitiesDRN-6191113 The complaint Mr C complains that ReAssure Limited (ReAssure) made an administrative error which led to his monthly pension contributions not being deducted from March 2021. He feels that ReAssure’s attempts to correct the situation since October 2024 have repeatedly failed.... (8 pages)View decision -
Decision Reference DRN-6169723
2 Mar 2026 Lloyds Bank PLC UpheldBanking and PaymentsDRN-6169723 The complaint Miss S complains that Lloyds Bank PLC (“Lloyds”) acted irresponsibly when it approved and then subsequently increased her overdraft limit when she was struggling financially. What happened The details of this complaint are well-known to both parties, so I won’... (4 pages)View decision -
Decision Reference DRN-6189130
2 Mar 2026 Countrywide Assured Plc UpheldInsuranceDRN-6189130 The complaint Mr M complains that Countrywide Assured Plc (‘Countrywide’) failed to collect premiums from January 2024 onwards on his Whole of Life (‘WOL’) policy. He says it is unfair to require him to repay those premiums, that his policy should continue on its original te... (3 pages)View decision -
Decision Reference DRN-6068725
2 Mar 2026 National House-Building Council UpheldInsuranceDRN-6068725 The complaint Mrs B complains that National House-Building Council trading as NHBC has failed to deal with a claim she made under her NHBC Buildmark warranty fairly. Mrs B doesn’t think NHBC has demonstrated it is not responsible for damage to her property following a blocka... (6 pages)View decision -
Decision Reference DRN-5960214
2 Mar 2026 MONEYBARN NO.1 LIMITED UpheldConsumer CreditDRN-5960214 The complaint Miss H complains that a car she acquired under a finance agreement with MONEYBARN NO.1 LIMITED (‘Moneybarn’) wasn’t of satisfactory quality. What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them ... (3 pages)View decision