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-6102082
9 Feb 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6102082 The complaint X has complained that HSBC UK Bank Plc has behaved unfairly regarding a sum debited from X’s account, including wrongly registering a default. What happened A family member transferred EUR 43,423 to X’s account. However, due to an error by HSBC, the sum was cre... (2 pages)View decision -
Decision Reference DRN-6138806
9 Feb 2026 Nationwide Building Society UpheldConsumer CreditDRN-6138806 The complaint Miss B says Nationwide Building Society irresponsibly lent to her. What happened Miss B took out a loan for £5,000 over 48 months from Nationwide on 27 January 2025. The monthly repayments were £169.85. Miss B says she was unemployed, having lost her job on 30 ... (3 pages)View decision -
Decision Reference DRN-5956744
9 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5956744 The complaint Mr K’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... (13 pages)View decision -
Decision Reference DRN-6022827
9 Feb 2026 Motors Insurance Company Limited Not upheldInsuranceDRN-6022827 The complaint Mr H says Motors Insurance Company Limited wrongly declined a claim he made on his cosmetic car repair policy. What happened Mr H had used the policy previously, but in July 2025 after his car was scratched, his claim was rejected. Motors said the policy only ... (2 pages)View decision -
Decision Reference DRN-6139410
9 Feb 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-6139410 The complaint Mr V complained about the actions and service provided by Barclays Bank UK PLC after it blocked his account access while he was travelling overseas. He feels that £300 compensation is reasonable to reflect the stress and worry he was caused. What happened On 1... (5 pages)View decision -
Decision Reference DRN-6026743
9 Feb 2026 BMW Financial Services (GB) Limited UpheldConsumer CreditDRN-6026743 The complaint Mr G complains about the quality of a car that was supplied through a motor finance agreement with BMW FINANCIAL SERVICES (GB) LIMITED trading as Alphera Financial Services (Alphera). What happened The circumstances surrounding this complaint and my initial fi... (6 pages)View decision -
Decision Reference DRN-5855060
9 Feb 2026 Liverpool Victoria Insurance Company Limited UpheldInsuranceDRN-5855060 The complaint Mr and Mrs A have complained after Liverpool Victoria Insurance Company Limited (LV) declined their claim under the contents section of their home insurance policy. What happened The details of what happened are well known to both parties. I will summarise them... (2 pages)View decision -
Decision Reference DRN-5923152
9 Feb 2026 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-5923152 The complaint Mr B and Mrs B complained that Admiral Insurance (Gibraltar) Limited wrongly valued their car under Mrs B’s motor insurance policy. What happened After Mr B and Mrs B’s car was damaged in an accident Admiral decided that it was uneconomical to repair. They asse... (3 pages)View decision -
Decision Reference DRN-5893118
9 Feb 2026 Lendable Ltd UpheldConsumer CreditDRN-5893118 The complaint Miss B has complained that Lendable Ltd were irresponsible in providing her with three loans, between 2018 and 2024. What happened Lendable provided Miss B with the following loans: Loan amount Date Monthly repayments Term (months) Status Loan one £2,000August ... (3 pages)View decision -
Decision Reference DRN-6137286
9 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6137286 The complaint Mr M’s complaint is, in essence, that Clydesdale Financial Services Limited (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 amended) (the ‘CCA’) a... (12 pages)View decision