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 388057 results
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Decision Reference DRN-5970886
12 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-5970886 The complaint Mr U’s complaint is, in essence, that Tandem Personal Loans Ltd trading as Oplo (the ‘Lender’ 1 ) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘... (14 pages)View decision -
Decision Reference DRN-5998130
12 Jan 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5998130 The complaint Mr and Mrs P’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 (2... (11 pages)View decision -
Decision Reference DRN-6055840
12 Jan 2026 Trading 212 UK Limited UpheldInvestmentsDRN-6055840 The complaint Mr N has brought a complaint against Trading 212 UK Limited (“T212”) for alleged delays in transferring his Stocks and Shares ISA (the “ISA”) from Vanguard Asset Management Limited (“Vanguard”) to T212’s trading platform and is seeking compensation. What happen... (7 pages)View decision -
Decision Reference DRN-6055431
12 Jan 2026 VANGUARD ASSET MANAGEMENT, LTD. UpheldInvestmentsDRN-6055431 The complaint Mr N has complained about the process of transferring his Stocks and Shares ISA (“ISA”) from Vanguard Asset Management Limited (“Vanguard”) to Trading 212 UK Limited (“T212”) and is seeking compensation for financial loss and distress and inconvenience. What ha... (7 pages)View decision -
Decision Reference DRN-5807156
12 Jan 2026 Acromas Insurance Company Limited Not upheldInsuranceDRN-5807156 The complaint Mr M has complained about Acromas Insurance Company Limited, the insurer for his parts and garage cover, because when it considered his claim for faults to his car, it said because he hadn’t completed any repairs, there was no claim for it to answer. What happ... (3 pages)View decision -
Decision Reference DRN-6014149
12 Jan 2026 Nationwide Building Society UpheldBanking and PaymentsDRN-6014149 The complaint Mr J has complained Nationwide Building Society wouldn’t refund disputed gambling transactions and then lodged a fraud-related marker on the industry fraud database, CIFAS. What happened On 8 July 2025, Mr J contacted Nationwide. He’d been alerted after his wif... (2 pages)View decision -
Decision Reference DRN-5921294
12 Jan 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5921294 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 an unfair credit relationship with him under Section 140A of the Consumer Credit... (13 pages)View decision -
Decision Reference DRN-6054525
12 Jan 2026 Santander UK Plc Not upheldConsumer CreditDRN-6054525 The complaint Mr B complains that Santander UK Plc lent irresponsibly when it approved his loan application. What happened Mr B applied for a Santander loan of £5,000 on 4 April 2025. In his application, Mr B said he was earning £1,600 a month after deductions and had outgo... (4 pages)View decision -
Decision Reference DRN-6067681
12 Jan 2026 Santander UK Plc UpheldBanking and PaymentsDRN-6067681 The complaint T, a company, complains Santander UK Plc unfairly blocked and closed its account, causing it losses. What happened I repeat much of the background facts referred to in my provisional decision for the purposes of issuing this final decision. Mr S is the director... (5 pages)View decision -
Decision Reference DRN-5917376
12 Jan 2026 BMW Financial Services (GB) Limited Not upheldConsumer CreditDRN-5917376 The complaint Mr S complains that BMW FINANCIAL SERVICES (GB) LIMITED, trading as ALPHERA Financial Services (“BMW”) defaulted his account and terminated his credit agreement early because of missed payments. What happened Mr S entered into a hire purchase agreement with BMW... (4 pages)View decision