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 401363 results
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Decision Reference DRN-5957214
15 Dec 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5957214 The complaint Mr S is unhappy that Lloyds Bank PLC has closed his local branch. What happened Lloyds wrote to Mr S to let him know that they had taken the decision to close his local branch. Mr S was unhappy with this decision so contacted Lloyds to let them know. He said he... (2 pages)View decision -
Decision Reference DRN-5877220
15 Dec 2025 Tandem Home Loans Ltd Not upheldConsumer CreditDRN-5877220 The complaint Mr W complains through a third-party representative about Tandem Home Loans Ltd trading as Oplo’s decision to lend. Mr W says the loan shouldn’t have been granted to him. What happened Oplo lent Mr W one loan in February 2019, the loan was for £5,000 to be rep... (2 pages)View decision -
Decision Reference DRN-6021991
15 Dec 2025 Shawbrook Bank Limited Not upheldConsumer CreditThe complaint Mr and Mrs P’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) deciding again... (10 pages)View decision -
Decision Reference DRN-5776731
15 Dec 2025 Gain Credit LLC UpheldConsumer CreditDRN-5776731 The complaint Miss L complains that Gain Credit LLC trading as Lending Stream irresponsibly lent to her. Miss L says the lending got her stuck in a cycle of debt. What happened From the information provided, Lending Stream lent Miss L five loans, the details are below. Loa... (3 pages)View decision -
Decision Reference DRN-5927100
15 Dec 2025 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5927100 The complaint Ms M complains through a third-party representative. Ms M says Evergreen Finance London Limited trading as MoneyBoat.co.uk irresponsibly lent to her. Ms M also says the lending resulted in an unfair relationship under s140a of the Consumer Credit Act 1974 What ... (3 pages)View decision -
Decision Reference DRN-5822139
15 Dec 2025 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5822139 The complaint Mr J complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk irresponsibly lent to him. What happened MoneyBoat lent Mr J one loan in December 2022, the loan was for £500 to be repaid in three monthly instalments of around £240 each. The loa... (3 pages)View decision -
Decision Reference DRN-5843185
15 Dec 2025 Ald Automotive Limited Not upheldConsumer CreditDRN-5843185 The complaint Mrs C is disappointed that Ald Automotive Limited (Ald) didn’t explain their liability for any shortfall if their car was written off. What happened Mrs C took receipt of a new car in October 2023. She financed the car through a hire agreement with Ald. In Sept... (2 pages)View decision -
Decision Reference DRN-5907463
15 Dec 2025 Inter Partner Assistance SA UpheldInsuranceDRN-5907463 The complaint Mr N is unhappy that Inter Partner Assistance SA has declined a claim he made on his travel insurance policy. What happened Mr N claimed on his travel insurance policy following an admission to hospital with chest pains. IPA declined the claim because they said... (3 pages)View decision -
Decision Reference DRN-5684679
15 Dec 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5684679 The complaint Mr L complains that Revolut Ltd didn’t do enough to prevent him from losing money to scammers. Mr L has used a representative to bring his complaint. But, for ease of reading, I’ll mostly just refer to Mr L himself where I also mean his representative. What h... (2 pages)View decision -
Decision Reference DRN-5967051
15 Dec 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5967051 The complaint Mr Z complains about the issues he was having when he tried to open an account with Clydesdale Bank Plc trading as Virgin Money. He said it took him around a month to get the account opened and he is not happy with the amount of compensation that he has been of... (2 pages)View decision