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-5915354
5 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5915354 The complaint Miss L complains that Revolut Ltd hasn’t fully refunded the money she lost when she fell victim to a scam. What happened Miss L was contacted on a mobile messaging service by someone saying they had a job offer for her. Miss L believed she would be completing ... (3 pages)View decision -
Decision Reference DRN-6122365
5 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6122365 The complaint Mrs B’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 her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) decidin... (10 pages)View decision -
Decision Reference DRN-5907381
5 Feb 2026 Home Retail Group Card Services Limited Not upheldConsumer CreditDRN-5907381 The complaint Miss C complains that Home Retail Group Card Services Limited (trading as Argos) failed to credit her account with the cheque she says she sent. What happened Miss C says that she sent Argos a cheque for £1,621.23, dated 18 December 2024. She says that Argos d... (2 pages)View decision -
Decision Reference DRN-5990554
5 Feb 2026 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-5990554 The complaint Miss W complains that Clydesdale Bank Plc trading as Virgin Money acted irresponsibly by proving her with two credit card accounts. What happened In May 2018, Virgin Money approved Miss W’s application for a credit card (‘Card one’), giving her a limit of £1,8... (6 pages)View decision -
Decision Reference DRN-5953814
5 Feb 2026 Newline Insurance Company Limited UpheldInsuranceDRN-5953814 The complaint Mr V complains that Newline Insurance Company Limited unfairly declined a claim he made on his motor warranty. What happened Mr V held a motor warranty with Newline. Following an issue with his car, he took it to be repaired. The repairer noted the issue was wi... (2 pages)View decision -
Decision Reference DRN-5972798
5 Feb 2026 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5972798 The complaint Mr T complains HSBC UK Bank Plc has recorded his personal details with Cifas – a fraud prevention database - and won’t remove them. What happened On 15 January 2024, Mr T received a payment of £13,156 into his account. HSBC later received information that this... (2 pages)View decision -
Decision Reference DRN-6125524
5 Feb 2026 Barclays Bank UK PLC Not upheldMortgagesDRN-6125524 The complaint Mr and Mrs H complain that Barclays Bank UK PLC trading as Woolwich says they owe more on their mortgage than they believe they do, and it hasn’t been able to prove what it says they owe. What happened Mr and Mrs H have a mortgage with Barclays. They’re in disp... (6 pages)View decision -
Decision Reference DRN-6125489
5 Feb 2026 CMC Spreadbet Plc Not upheldInvestmentsDRN-6125489 The complaint Miss S complains that CMC Spreadbet Plc have treated her unfairly and unreasonably throughout her trading relationship with them. To put things right for her, Miss S would like CMC to refund the trading losses she’s incurred. What happened Miss S opened a spre... (72 pages)View decision -
Decision Reference DRN-6050817
5 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6050817 The complaint Mr and Mrs S complain that Barclays Bank UK PLC did not reimburse the funds they lost to a scam. What happened Mr S was introduced to a cryptocurrency investment opportunity, that I will refer to as ‘X’ by a friend. He carried out some research and attended an ... (3 pages)View decision -
Decision Reference DRN-6024411
5 Feb 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6024411 The complaint Mr H is unhappy Bank of Scotland plc, trading as Halifax, will not refund the money he lost to a ticket scam. What happened Mr H bought two concert tickets on 29 November 2024 by debit card for £556.55. He bought them through an intermediary reseller site he ha... (3 pages)View decision