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-5925586
4 Feb 2026 Crowdcube Capital Limited Not upheldInvestmentsDRN-5925586 The complaint Mr T complains about a fee Crowdcube Capital Limited has introduced when he exits his investments that he purchased on the platform. He says the fee is unjustified considering the minimal administrative work involved. What happened In 2016 Mr T purchased share... (4 pages)View decision -
Decision Reference DRN-5803964
4 Feb 2026 Crowdcube Capital Limited Not upheldInvestmentsDRN-5803964 The complaint Mr F complains about a fee Crowdcube Capital Limited has introduced when he exits his investments that he purchased on the platform. He says the fee is disproportionate and opportunistic. What happened In 2016 Mr F purchased shares in a company, which I shall ... (5 pages)View decision -
Decision Reference DRN-5779725
4 Feb 2026 Crowdcube Capital Limited Not upheldInvestmentsDRN-5779725 The complaint Mr G complains about a fee Crowdcube Capital Limited has introduced when he exits his investments that he purchased on the platform. He says the fee is arbitrary and excessive, given the minimal administrative work involved. What happened In 2016 Mr G purchas... (5 pages)View decision -
Decision Reference DRN-6020763
4 Feb 2026 Revolut Ltd UpheldBanking and PaymentsDRN-6020763 The complaint Ms F is the director of a limited company that I shall refer to as E. Ms F has complained, on E’s behalf, that Revolut Ltd did not refund money E lost to a scam. What happened On 11 September 2023, Ms F received a call from someone she now knows was a scammer. ... (6 pages)View decision -
Decision Reference DRN-5994784
4 Feb 2026 PDL Finance Limited Not upheldConsumer CreditDRN-5994784 The complaint Mrs C complains PDL Finance Limited trading as Mr Lender (“Mr Lender”) gave her a loan without carrying out sufficient affordability checks. What happened Mrs C was granted an instalment loan of £300 in May 2024. She was due to make six variable decreasing mon... (3 pages)View decision -
Decision Reference DRN-5912468
4 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5912468 The complaint Mr D and Mrs D’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 (... (13 pages)View decision -
Decision Reference DRN-6082157
4 Feb 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-6082157 The complaint I’m not upholding this complaint. So, I’m not asking Vanquis Bank Limited to do anything to put things right. I’ll explain why I say that below. Vanquis Bank Limited provided Miss L with a credit card in 2018 with a limit of £1,000. Subsequently the limit was ... (3 pages)View decision -
Decision Reference DRN-5994954
4 Feb 2026 Creation Consumer Finance Limited Not upheldConsumer CreditDRN-5994954 The complaint Mr J doesn’t think he owes anything else under a finance agreement he has with CREATION CONSUMER FINANCE LIMITED (Creation), he thinks the agreement was mis-sold and that they’ve been slow to respond. Mr J has been represented by his mother but for ease, and as... (2 pages)View decision -
Decision Reference DRN-5944629
4 Feb 2026 Phoenix Life Limited UpheldInsuranceDRN-5944629 The complaint Mr R has complained that Phoenix Life Limited trading as Standard Life has unfairly declined his claim for permanent total disability (PTD). What happened Mr and Mrs R bought a policy with critical illness cover and PTD benefit in 2000 with an expiry date of Se... (2 pages)View decision -
Decision Reference DRN-6121578
4 Feb 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-6121578 The complaint Miss A complains Clydesdale Bank Plc trading as Virgin Money (Virgin Money) didn’t sufficiently check she could sustain the repayments for a revolving credit facility. What happened Around March 2025 Miss A made an on-line application for a revolving credit fac... (3 pages)View decision