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
-
Decision Reference DRN-5925444
4 Feb 2026 AutoMoney Limited Not upheldConsumer CreditDRN-5925444 The complaint AutoMoney Limited, trading as AutoMoney Motor Finance (‘AutoMoney’), provided Mr W with a hire purchase agreement for a used car. Mr W and his representative say the finance was unaffordable and AutoMoney ought to have seen this in its checks. He’s also unhapp... (2 pages)View decision -
Decision Reference DRN-5998911
4 Feb 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-5998911 The complaint Mr M is unhappy that Wise Payments Limited won’t raise a chargeback claim after he says he was the victim of a scam. What happened The background to this complaint is well-known to both parties, so I won’t repeat it in detail here. But in summary and based on ... (3 pages)View decision -
Decision Reference DRN-6121991
4 Feb 2026 Europ Assistance SA Not upheldInsuranceDRN-6121991 The complaint Mr and Mrs D have complained about the way Europ Assistance SA has offered to settle their claim. What happened Mr and Mrs D have travel insurance, underwritten by Europ Assistance SA. They went on a diving trip when unfortunately, Mrs D fell and dislocated her... (3 pages)View decision -
Decision Reference DRN-6060370
4 Feb 2026 First Data Europe Limited Not upheldBanking and PaymentsDRN-6060370 The complaint A limited company, which I’ll refer to as W, complains that First Data Europe Limited trading as Clover failed to tell it the outcome of a chargeback. W also complained that Clover has failed to credit it with some of the proceeds of its card transactions witho... (3 pages)View decision -
Decision Reference DRN-6106956
4 Feb 2026 Somerset Bridge Insurance Services Limited UpheldInsuranceDRN-6106956 The complaint Mr K complains that Somerset Bridge Insurance Services Limited trading as Go Skippy (“Somerset Bridge”) mishandled his motor insurance policy. What happened Mr K had a hatchback car that had first been registered in 2010. For the year from mid-September 2024,... (4 pages)View decision -
Decision Reference DRN-6061332
4 Feb 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-6061332 The complaint Miss T complains that National Westminster Bank Public Limited Company (NatWest) irresponsibly lent to her. What happened Miss T was approved for a NatWest credit card in April 2023, with a £4,200 credit limit. Miss T says that this was irresponsibly lent to he... (3 pages)View decision -
Decision Reference DRN-6127784
4 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6127784 The complaint Mr M, on behalf of S, has complained that Barclays Bank UK PLC (‘Barclays’) won’t refund him for two failed ATM cash withdrawals. What happened The background to this complaint is well known to both parties, so I won’t repeat it all in detail here. But in summ... (3 pages)View decision -
Decision Reference DRN-6055998
4 Feb 2026 The Enterprise Fund Limited Not upheldBanking and PaymentsDRN-6055998 The complaint Miss M complains that The Enterprise Fund Limited (trading as GC Business Finance) lent to her irresponsibly, and without taking into account her ADHD. What happened In 2023, Miss M applied for a Start Up Loan from GC Business Finance. Her intention was to use... (2 pages)View decision -
Decision Reference DRN-6081765
4 Feb 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-6081765 The complaint Miss B is unhappy that Clydesdale Bank Plc trading as Virgin Money (‘Virgin’) registered a default after she entered into a financial hardship plan with them. What happened The complaint circumstances are well known to both parties, so I don’t intend to list t... (4 pages)View decision -
Decision Reference DRN-5952618
4 Feb 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5952618 The complaint Miss K has complained that Monzo Bank Ltd (“Monzo”) didn’t carry out a chargeback on a transaction that she made with her debit card, whereby she didn’t receive what she’d paid for. What happened In March 2024, Miss K made a payment with her Monzo debit card to... (2 pages)View decision