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 400694 results
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Decision Reference DRN-6199281
8 Apr 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6199281 Complaint Mr R complains that Moneybarn No.1 Limited (“Moneybarn”) failed to act fairly and reasonably towards him when entering into a conditional sale agreement with him. He’s said that that Moneybarn failed to disclose the commission that it paid to the credit broker tha... (3 pages)View decision -
Decision Reference DRN-6199897
8 Apr 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6199897 Complaint Mr J complains that Moneybarn No.1 Limited (“Moneybarn”) failed to act fairly and reasonably towards him when entering into a conditional sale agreement with him. He’s said that that Moneybarn failed to disclose the commission that it paid to the credit broker tha... (3 pages)View decision -
Decision Reference DRN-6273048
8 Apr 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6273048 The complaint Mr A is unhappy with the way Lloyds Bank PLC handled his chargeback claim for a refund of a debit card payment. What happened Mr A has been represented at times by his son. To keep things simple, I’ll refer to Mr A even where information has been provided by Mr... (3 pages)View decision -
Decision Reference DRN-6245951
8 Apr 2026 RCI Financial Services Limited Not upheldConsumer CreditDRN-6245951 The complaint Miss B complains about charges RCI Financial Services Limited trading as Nissan Financial Services (who I’ll call NFS) asked her to pay after she returned a car she had been financing through an agreement with them. What happened The detailed background to this... (3 pages)View decision -
Decision Reference DRN-6194711
8 Apr 2026 Santander UK Plc UpheldBanking and PaymentsDRN-6194711 The complaint Mr B complains that Santander UK Plc wrongly closed his current account in August 2025 following incorrect advice with ongoing impacts to his finances and wellbeing. What happened Mr B held a Santander current account which he changed to an ‘Edge’ account in A... (4 pages)View decision -
Decision Reference DRN-5949084
8 Apr 2026 N.I.I.B. Group Limited Not upheldConsumer CreditDRN-5949084 The complaint Mr D complains that the vehicle he acquired through N.I.I.B. Group Limited trading as Northridge Finance (“Northridge”) wasn’t of satisfactory quality. He wants Northridge to cover the costs of repair. What happened Mr D entered into a hire purchase agreement i... (3 pages)View decision -
Decision Reference DRN-6275880
8 Apr 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6275880 The Complaint Mr D’s complaint is, in essence, that Clydesdale Financial Services Limited (trading as Barclays Partner Finance) (‘BPF’) acted unfairly and unreasonably by being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 1974... (8 pages)View decision -
Decision Reference DRN-6053369
8 Apr 2026 Advantage Insurance Company Limited Not upheldInsuranceDRN-6053369 The complaint Miss M complains about the way Advantage Insurance Company Limited (Advantage) settled a claim on her car insurance policy without informing her, and without considering an independent repair estimate. What happened The details of this complaint are well-known ... (2 pages)View decision -
Decision Reference DRN-6155159
8 Apr 2026 Aviva Insurance Limited UpheldInsuranceDRN-6155159 The complaint Mr D and Mrs H have complained about Aviva Insurance Limited’s decision to decline a claim they made for storm damage under their home insurance policy. All reference to the insurer Aviva includes agents acting on its behalf handling the claim. What happened In... (3 pages)View decision -
Decision Reference DRN-6276359
8 Apr 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6276359 The complaint Mrs S complains that transactions she didn’t make or authorise debited her credit card account held with Bank of Scotland plc. What happened Mrs S says that in November 2024 she was out shopping and placed her bag on the floor. Her bag was stolen and this cont... (4 pages)View decision