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-6249636
2 Apr 2026 Gain Credit LLC Not upheldConsumer CreditDRN-6249636 The complaint Mr R complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) gave him loans without carrying out sufficient affordability checks. What happened Mr R was granted one instalment loan in June 2025 for £300. Mr R was due to make five monthly pa... (3 pages)View decision -
Decision Reference DRN-6262073
2 Apr 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-6262073 The complaint Mrs S has complained that Zopa Bank Limited (Zopa) unfairly provided her with a consolidation loan. What happened Mrs S entered into a finance agreement with Zopa for a loan to consolidate other debt. The details of the loan are shown below. Date Amount of cr... (3 pages)View decision -
Decision Reference DRN-6261307
2 Apr 2026 Loans 2 Go Limited Not upheldConsumer CreditDRN-6261307 The complaint With the help of a professional representative (PR), Miss L complains that Loans 2 Go Limited trading as Loans 2 Go lent to her irresponsibly. For ease, I’ll refer to the actions of the PR as being those of Miss L. What happened Miss L applied for a loan with L... (2 pages)View decision -
Decision Reference DRN-6143929
2 Apr 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-6143929 The complaint Mr B complains that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY won’t refund the money he lost when he was the victim of a scam. What happened In July 2025, Mr B was looking to buy some trainers and found some he was interested in advertised online. He co... (2 pages)View decision -
Decision Reference DRN-6209956
2 Apr 2026 PROPEL HOLDINGS (UK) LIMITED Not upheldConsumer CreditDRN-6209956 The complaint Miss M complains Propel Holdings (UK) Limited trading as Quidmarket irresponsibly lent to her. What happened Quidmarket provided Miss M with a single loan in November 2024. The loan was for £600 and it was due to be repaid through six monthly repayments of £17... (6 pages)View decision -
Decision Reference DRN-6013380
2 Apr 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6013380 The complaint Mr H has complained about the way NewDay Ltd “NewDay” defaulted his credit card account. What happened All parties are familiar with the facts of this case so I’ll only briefly set them out here. Mr H’s account was terminated in June 2021, and a default regist... (3 pages)View decision -
Decision Reference DRN-6169962
2 Apr 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6169962 The complaint Miss S complains that Barclays Bank UK PLC won’t refund the money she lost when she was the victim of a scam. What happened In July 2025, Miss S was contacted by someone who said they had details of a potential job for her. And as she had been looking for work... (3 pages)View decision -
Decision Reference DRN-6254917
2 Apr 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-6254917 The complaint Mr A complains that Wise Payments Limited trading as Wise will not refund him after he was the victim of an investment scam. What happened The circumstances surrounding Mr A’s complaint are well known to the parties, so I will not repeat them in detail here. In... (4 pages)View decision -
Decision Reference DRN-6253315
2 Apr 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-6253315 The complaint Mr K complains that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY (NatWest) unfairly refuses to refund him money he says he lost in an investment scam and also refuses to compensate him for his consequential losses. What happened The circumstances of Mr K’s ... (4 pages)View decision -
Decision Reference DRN-6054224
2 Apr 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6054224 The complaint Mr A complains that Bank of Scotland plc, trading as Halifax, won’t refund the money he lost when he was the victim of a scam. What happened In July 2025, Mr A was looking to book a travel package online and received a message from someone who said they worked... (2 pages)View decision