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 393318 results
-
Decision Reference DRN-6174306
23 Feb 2026 First Holiday Finance Ltd Not upheldConsumer CreditDRN-6174306 The complaint Mr and Mrs W’s complaint is, in essence, that First Holiday Finance Ltd (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 ... (4 pages)View decision -
Decision Reference DRN-6148192
23 Feb 2026 Bank of Scotland Plc UpheldBanking and PaymentsDRN-6148192 The complaint Mr L is unhappy that Bank of Scotland Plc trading as Halifax (‘Halifax’) won’t reimburse him after he was the victim of a scam. What happened In 2022, Mr L met a person, who I will call ‘Mr D’ on a messaging service containing members of a group which trained p... (8 pages)View decision -
Decision Reference DRN-5924001
23 Feb 2026 Go Car Credit Limited Not upheldConsumer CreditDRN-5924001 The complaint Mr S complains that a hire purchase agreement with Go Car Credit Limited was unaffordable for him and about other issues relating to the agreement. What happened A used car was supplied to Mr S under a hire purchase agreement with Go Car Credit that he electron... (3 pages)View decision -
Decision Reference DRN-6089471
23 Feb 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6089471 The complaint Mr D complains Bank of Scotland plc trading as Halifax didn’t do enough to warn him before closing his accounts and also about the poor service he received when this happened. What happened When Mr D complained, Halifax accepted it could have communicated more... (3 pages)View decision -
Decision Reference DRN-6044722
23 Feb 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6044722 The complaint Miss B has complained Lloyds Bank PLC won’t refund £400 for two cash machine withdrawals which she didn’t make. What happened On 12 February 2024 Miss B noticed two cash machine withdrawals from her Lloyds savings account which she didn’t recognise. She called ... (3 pages)View decision -
Decision Reference DRN-6096680
23 Feb 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-6096680 The complaint Mr D complains that Zopa Bank Limited (Zopa) stopped him exercising his rights to withdraw from his finance agreement within 14 days. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview o... (2 pages)View decision -
Decision Reference DRN-6156703
23 Feb 2026 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-6156703 The complaint Mr B has complained Capital One (Europe) plc won’t accept that transactions he disputes in September 2025 are fraudulent. What happened In October 2025 Mr B noticed transactions on his Capital One and raised his concern with them that he’d not made or authorise... (2 pages)View decision -
Decision Reference DRN-6168270
23 Feb 2026 Uinsure Limited UpheldInsuranceDRN-6168270 The complaint E has complained that Uinsure Limited told its director that it had put its Landlord Insurance policy on hold when it cancelled the direct debit for the premium with its bank despite the fact it had paid the premium in full at the outset. E is represented by M... (4 pages)View decision -
Decision Reference DRN-6173926
23 Feb 2026 Tandem Bank Limited UpheldConsumer CreditDRN-6173926 The complaint Mrs M complaint is, in essence, that Tandem Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding aga... (12 pages)View decision -
Decision Reference DRN-5971596
23 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5971596 The complaint Mr G is unhappy that Revolut Ltd (Revolut) won’t reimburse money he lost to a scam. What happened The details of this complaint are well known to both parties, so I won’t repeat everything here. In summary, Mr G has advised he made a payment from his Revolut a... (2 pages)View decision