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-5861522
9 Apr 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5861522 The complaint Mr R’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (‘BPF’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 19... (7 pages)View decision -
Decision Reference DRN-6209949
9 Apr 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6209949 The complaint Miss M complains that NewDay Ltd trading as Marbles irresponsibly lent to her. What happened Miss M was approved for a Marbles credit card in June 2021, with a £900 credit limit. I have set out the credit limit increases below: November 2021 £900 to £1,900 Apri... (6 pages)View decision -
Decision Reference DRN-6207153
9 Apr 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6207153 The complaint Ms B complains that NewDay Ltd trading as Pulse lent to her irresponsibly. What happened Ms B applied for and was given a credit card with NewDay. The credit limit agreed was as follows: Date Event Credit limit December 2017 Account opening £750May 2018Credit ... (3 pages)View decision -
Decision Reference DRN-6021695
9 Apr 2026 MONZO BANK LIMITED Not upheldBanking and PaymentsDRN-6021695 The complaint Mr and Mrs F are unhappy MONZO BANK LIMITED (‘Monzo’), won’t refund the money Mr F lost after falling victim to an authorised push payment (‘APP’) purchase scam whereby he sent money to an account held at Monzo. While the disputed payment was made from a joint... (4 pages)View decision -
Decision Reference DRN-6203807
9 Apr 2026 Zopa Bank Limited Not upheldBanking and PaymentsDRN-6203807 The complaint Mr K complains that Zopa Bank Limited irresponsibly lent to him. What happened Mr K was approved for a Zopa credit card in November 2024, with a £1,200 credit limit. Mr K says that Zopa irresponsibly lent to him. Mr K made a complaint to Zopa, who did not uphol... (3 pages)View decision -
Decision Reference DRN-6231921
9 Apr 2026 Home Retail Group Card Services Limited Not upheldConsumer CreditDRN-6231921 The complaint Mr E complains that Home Retail Group Card Services Limited trading as Argos Financial Services (Argos) lent to him irresponsibly and didn’t properly support him while he was in persistent debt. What happened Mr E applied for – and was given – an Argos store ca... (4 pages)View decision -
Decision Reference DRN-5942575
9 Apr 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5942575 The complaint Mr M has complained about the way Vanquis Bank Limited (“Vanquis”) dealt with a claim for money back in relation to digital products he paid for using his Vanquis credit account. What happened All parties are familiar with the facts of this case so I’ll only b... (3 pages)View decision -
Decision Reference DRN-6249040
9 Apr 2026 Motability Operations Limited Not upheldConsumer CreditDRN-6249040 The complaint Mrs Y complains about the credit agreement she took out with Motability Operations Limited (“Motability”). She says she was told she could purchase the car at the end of the lease, but she’s subsequently discovered this isn’t the case at all. Mrs Y says the opt... (5 pages)View decision -
Decision Reference DRN-6105290
9 Apr 2026 U K Insurance Limited Not upheldInsuranceDRN-6105290 The complaint Mr I complains about the amount U K Insurance Limited, trading as Churchill Insurance, charged for his motor insurance policy. All premium figures will be rounded for ease of reading. What I’ve decided – and why I’ve considered all the available evidence and ... (2 pages)View decision -
Decision Reference DRN-6277008
9 Apr 2026 U K Insurance Limited UpheldInsuranceDRN-6277008 The complaint Mrs R, representing her mother, Mrs R1, has complained about U K Insurance Limited, which provides the insurance for Mrs R1’s former home. What happened Background Mrs R1’s home was damaged by an escape of water. Mrs R made a claim to UKI on her behalf. Once ... (8 pages)View decision