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-5692784
2 Apr 2026 First Holiday Finance Ltd Not upheldConsumer CreditDRN-5692784 The complaint Mr and Mrs M’s complaint is, in essence, that First Holiday Finance Ltd (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 ... (19 pages)View decision -
Decision Reference DRN-6087852
2 Apr 2026 Barclays Bank UK PLC Not upheldConsumer CreditDRN-6087852 The complaint Mr M complained about the way Barclays Bank UK PLC trading as Tesco Bank (Tesco Bank) administered a personal loan agreement he had with it. What happened Mr M applied for a personal loan in September 2025, which Tesco Bank approved. The loan funds were paid t... (2 pages)View decision -
Decision Reference DRN-6016371
2 Apr 2026 MONZO BANK LIMITED Not upheldBanking and PaymentsDRN-6016371 The complaint Mr S is unhappy that Monzo Bank Limited restricted the money transfer functionality on his Monzo Flex account after relying on a credit reference agency entry that he had told Monzo was disputed. What happened Mr S has a Monzo Flex account, which allowed him to... (3 pages)View decision -
Decision Reference DRN-6270782
2 Apr 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6270782 The complaint Miss M complains that Lloyds Bank PLC did not reimburse the funds she lost to a scam. What happened Miss M says she found a property to rent, via an individual she found on social media. She was told that to secure the property, she needed to pay a deposit. She... (3 pages)View decision -
Decision Reference DRN-6230484
2 Apr 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6230484 The complaint Mr M complains that Barclays Bank UK PLC (“Barclays”) won’t refund him money, which he believes he has lost to a scam. What happened The background to this complaint is well known to all parties, so I won’t repeat it in detail here. But in summary, I understan... (3 pages)View decision -
Decision Reference DRN-6092183
2 Apr 2026 Fairscore Ltd Not upheldConsumer CreditDRN-6092183 The complaint Mr W complains that Fairscore Ltd trading as Updraft (“Updraft”) lent to him irresponsibly. What happened Updraft describes itself as a ‘phased consolidation lender’ proportion of a customer’s existing unsecured debt onto a fixed term, amortising facility desig... (4 pages)View decision -
Decision Reference DRN-6024485
2 Apr 2026 LAKA LTD Not upheldInsuranceDRN-6024485 The complaint Mr H complains about the cancellation of his bicycle insurance policy by Laka Limited (Laka) due to non-payment of his premium. What happened Mr H’s bicycle insurance policy started in February 2024. The policy automatically renewed each month and was paid in ... (2 pages)View decision -
Decision Reference DRN-6194962
2 Apr 2026 U K Insurance Limited Not upheldInsuranceDRN-6194962 The complaint Mrs M complains that her car was damaged while it was being recovered by her roadside assistance insurer, U K Insurance Limited trading as Green Flag (‘UKI’). All references to UKI include its agents. What happened Mrs M made a claim on her breakdown policy a... (3 pages)View decision -
Decision Reference DRN-6270621
2 Apr 2026 Lowell Portfolio I Ltd UpheldConsumer CreditDRN-6270621 The complaint Mr R complains Lowell Portfolio I LTD have: • Pursued a debt he’d paid off with the original lender • Not provided documents to prove the outstanding debt and contacted him when they shouldn’t have • Emailed his full 16-digit credit card number in an unsafe way... (9 pages)View decision -
Decision Reference DRN-6270400
2 Apr 2026 Currensea Limited UpheldBanking and PaymentsDRN-6270400 The complaint Mrs T complains that Currensea Limited (“Currensea”) is holding her liable for payments that were taken from her account as a result of a scam. What happened In summary, in May 2025, Mrs T received a call from someone claiming to be from the Police. This caller... (4 pages)View decision