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-6100374
3 Feb 2026 Startline Motor Finance Limited Not upheldConsumer CreditDRN-6100374 The complaint Miss I complains that a used car supplied to her under a hire purchase agreement by Startline Motor Finance Limited (Startline) is of unsatisfactory quality. What happened Miss I took out the hire purchase agreement with Startline on 28 August 2024 for the sup... (4 pages)View decision -
Decision Reference DRN-5896053
3 Feb 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5896053 The complaint Miss F complains that Monzo Bank Ltd (Monzo) has treated her unfairly in relation to its obligations with regard to a payment she made using her debit card. What happened In June 2025, Miss F paid £108.90 using her Monzo debit card for two tickets to an immersi... (3 pages)View decision -
Decision Reference DRN-6099676
3 Feb 2026 Woodgrange Associates (IFA) Ltd UpheldPensions and AnnuitiesDRN-6099676 The complaint Mr F says advice given by Woodgrange Associates (IFA) Ltd (WA) to transfer benefits in a former employer’s defined benefit (DB) occupational pension scheme was unsuitable and has caused him financial loss. What happened I issued a provisional decision on 5 Janua... (13 pages)View decision -
Decision Reference DRN-4513592
3 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4513592 The complaint Mr P’s complaint is, in essence, that Mitsubishi HC Capital UK Plc trading as Hitachi Capital (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 ame... (10 pages)View decision -
Decision Reference DRN-5996026
3 Feb 2026 Nationwide Building Society UpheldBanking and PaymentsDRN-5996026 The complaint Nationwide Building Society (‘Nationwide’) provided Miss M with overdrafts on two accounts. Miss M says each overdraft was provided irresponsibly. What happened The first overdraft, with account number ending 6539, was provided in May 2020 with a limit of £500... (3 pages)View decision -
Decision Reference DRN-6003522
3 Feb 2026 Motability Operations Limited Not upheldConsumer CreditDRN-6003522 The complaint Miss J says Motability Operations Limited (who I’ll call ‘MO’) were unreasonable to terminate a lease she was an appointee for. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some... (2 pages)View decision -
Decision Reference DRN-5833292
3 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5833292 The complaint Mr M is unhappy with the level of service he received from Barclays Bank UK PLC trading as Barclaycard after he enquired why he was being charged interest on his credit card account. What happened The background to this complaint is well known to both parties. ... (2 pages)View decision -
Decision Reference DRN-6123687
3 Feb 2026 N.I.I.B. Group Limited Not upheldConsumer CreditDRN-6123687 The complaint Mr F has complained about the quality of a car provided on finance by N.I.I.B. Group Limited trading as Northridge Finance What happened The circumstances of the complaint are well known to the parties, so I won’t go over everything again in detail. But, to sum... (5 pages)View decision -
Decision Reference DRN-4908350
3 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-4908350 The complaint Mr H’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (the ‘Lender’) acted unfairly and unreasonably by (1) being party to unfair credit relationships with him under Section 140A of the Consumer Credit A... (8 pages)View decision -
Decision Reference DRN-5942112
3 Feb 2026 Advantage Insurance Company Limited Not upheldInsuranceDRN-5942112 The complaint Mr B complains that Advantage Insurance Company Limited (“Advantage”) declined a claim on his motor insurance policy because it thought he’d acted fraudulently. What happened Mr B had a motor insurance policy with Advantage covering his car. He bought the polic... (3 pages)View decision