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-6120876
2 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6120876 The complaint Mr T’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 an unfair credit relationship with him under Section 140A of the Consumer Credit... (10 pages)View decision -
Decision Reference DRN-6039030
2 Feb 2026 esure Insurance Limited Not upheldInsuranceDRN-6039030 The complaint Miss R complains that esure Insurance Limited trading as Sheilas' Wheels is responsible for further mishandling a claim on a motor insurance policy. What happened For the year from mid-August 2023, Miss R had her vehicle insured on a comprehensive policy ... (4 pages)View decision -
Decision Reference DRN-6024521
2 Feb 2026 MBNA Limited Not upheldBanking and PaymentsDRN-6024521 The complaint Mr J complains that MBNA Limited (MBNA) lent to him irresponsibly when offering him a credit card and subsequently increasing the credit limit four times over a period of three years. What happened Mr J applied for a credit card and subsequently requested four... (4 pages)View decision -
Decision Reference DRN-6093470
2 Feb 2026 Barclays Bank Plc Not upheldBanking and PaymentsDRN-6093470 The complaint A limited company I will refer to as K complains that Barclays Bank Plc (trading as Barclaycard) has declined to refund them for transactions on their credit card that they say they didn’t make. K is represented by Miss B, a director. What happened The backgr... (4 pages)View decision -
Decision Reference DRN-6108317
2 Feb 2026 RAC Insurance Limited Not upheldInsuranceDRN-6108317 The complaint Mr D complains that RAC Insurance Limited (“RAC”) mishandled his claim on a breakdown insurance policy. What happened Mr D had a sports utility vehicle. For the year from late April 2024, Mr D had that vehicle (and another) covered on RAC breakdown insurance. ... (2 pages)View decision -
Decision Reference DRN-6107314
2 Feb 2026 Advantage Finance Ltd Not upheldConsumer CreditDRN-6107314 The complaint Mr C is unhappy that a car supplied to him under a hire purchase agreement with Advantage Finance Ltd was of an unsatisfactory quality. He’s also unhappy with how much Advantage says he owes them after voluntarily terminating the agreement and how long it will ... (5 pages)View decision -
Decision Reference DRN-6121375
2 Feb 2026 St. James's Place Wealth Management Plc Not upheldInvestmentsDRN-6121375 The complaint Mr O complains that St. James's Place Wealth Management Plc (SJP) failed to provide him with ongoing advice, allowed a drawdown to happen from the ceding provider without his consent and is responsible for the poor performance of his investments. What hap... (4 pages)View decision -
Decision Reference DRN-6121270
2 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6121270 The complaint Mrs W’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship 1 with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’), (2) decidin... (3 pages)View decision -
Decision Reference DRN-6121325
2 Feb 2026 QUILTER FINANCIAL SERVICES LIMITED UpheldPensions and AnnuitiesDRN-6121325 The complaint Mr P complains through a professional representative that he was given unsuitable advice by Quilter Financial Services Limited (Quilter) to switch his personal pensions to a Self- Invested Personal Pension. He thinks this has left him worse off. What happened I... (6 pages)View decision -
Decision Reference DRN-6121216
2 Feb 2026 U K Insurance Limited Not upheldInsuranceDRN-6121216 The complaint Mr A complains about how U K Insurance Limited (UKI) handled a claim on his car insurance policy. Mr A is being represented by a family relative in this complaint but as Mr A is the policyholder, and for ease, I’ve referred to him throughout. What happened In ... (4 pages)View decision