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 392389 results
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Decision Reference DRN-5997691
10 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5997691 The complaint Mr O’s complaint is, in essence, that Mitsubishi HC Capital UK Plc, trading as Hitachi Capital (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 ame... (13 pages)View decision -
Decision Reference DRN-6137777
10 Feb 2026 Topaz Finance Limited UpheldMortgagesDRN-6137777 The complaint This complaint is about two unregulated buy-to-let (BTL) mortgages that Miss O holds with Topaz Finance Limited trading as Rosinca Mortgages (RM). There are several strands to Miss O’s complaint, originating from RM’s decision to appoint Law of Property Act (LP... (4 pages)View decision -
Decision Reference DRN-6141190
10 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6141190 The complaint Mr W’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) decidin... (8 pages)View decision -
Decision Reference DRN-5769930
10 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5769930 The complaint Mrs K complains that Revolut Ltd won’t reimburse her after she paid money for services that she now considers to have been a scam. What happened Mrs K has explained that she was getting married and was looking for someone to provide a bridal hair service. Mrs K... (3 pages)View decision -
Decision Reference DRN-5834430
10 Feb 2026 Lendable Ltd Not upheldBanking and PaymentsDRN-5834430 The complaint Miss L complains that Lendable Ltd trading as Zable (‘Zable’) didn’t refund charges and interest applied to her credit card account. Miss L wants a refund of £73.35, compensation for her distress and inconvenience, an apology and for her vulnerability to be re... (3 pages)View decision -
Decision Reference DRN-6104051
10 Feb 2026 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-6104051 The complaint Mr T complains about damage charges applied by Mercedes-Benz Financial Services UK Limited (‘MBFS’). What happened The parties are familiar with the background of this complaint – so I won’t go into this in detail. It reflects my informal remit. In December 202... (3 pages)View decision -
Decision Reference DRN-6073646
10 Feb 2026 MBNA Limited Not upheldBanking and PaymentsDRN-6073646 Complaint Mr H has complained about a credit card MBNA Limited (“MBNA”) provided to him. He says that the credit card and the subsequent limit increases were unaffordable for him as they caused financial difficulty and further debt. Background MBNA provided Mr H with a cred... (6 pages)View decision -
Decision Reference DRN-6076424
10 Feb 2026 Equifax Limited Not upheldConsumer CreditDRN-6076424 The complaint Mr M complains Equifax Limited was reporting incorrect information on his credit file. What happened Mr M held a credit card with a bank I’ll refer to as L. In April 2025 a fraud attempt was unfortunately made on his card, so L replaced it. In June 2025 Mr M be... (3 pages)View decision -
Decision Reference DRN-6070035
10 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6070035 The complaint Ms H’s complaint is, in essence, that Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974 (as amended) (t... (15 pages)View decision -
Decision Reference DRN-6049677
10 Feb 2026 JLT Wealth Management Limited Not upheldPensions and AnnuitiesDRN-6049677 The complaint Mr L complains about the advice he received from JLT Wealth Management Limited to transfer his defined benefit occupational pension (DB) scheme to a personal pension. He says there were flaws in the process the adviser followed and that it wasn’t fair to consid... (7 pages)View decision