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
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Decision Reference DRN-6172629
23 Feb 2026 Revolut Ltd UpheldBanking and PaymentsDRN-6172629 The complaint Ms J complains that Revolut Ltd didn’t tell her she needed to activate her account to receive reward points. What happened Ms J says she upgraded her Revolut account to receive an increase in the eligible reward points. She says she wasn’t told she needed to ac... (2 pages)View decision -
Decision Reference DRN-6173859
23 Feb 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6173859 The complaint Mr B complains that NewDay (trading both as Aqua and Fluid) lent to him irresponsibly and that the credit provided was unaffordable. Mr B further complains that NewDay closed both of his accounts unnecessarily; did not give him a repayment plan for the closed a... (5 pages)View decision -
Decision Reference DRN-6025085
23 Feb 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6025085 The complaint Mr B complains that a van supplied to him on finance with MONEYBARN NO.1 LIMITED trading as Moneybarn (‘Moneybarn’) was of unsatisfactory quality. What happened The parties are familiar with the background details of this complaint – so I will briefly summarise... (3 pages)View decision -
Decision Reference DRN-6173795
23 Feb 2026 Stripe Payments UK Limited Not upheldBanking and PaymentsDRN-6173795 The complaint B, a limited company, is unhappy that Stripe Payments UK Limited withheld funds after it made the decision to close B’s account. During a routine review Stripe made the decision to close B’s account and withheld the funds in the account. B made a complaint abo... (2 pages)View decision -
Decision Reference DRN-5849892
23 Feb 2026 Monzo Bank Ltd Not upheldConsumer CreditDRN-5849892 The complaint Mrs H has complained that Monzo Bank Ltd (Monzo) is holding her liable for a loan she says she did not knowingly take out. What happened Mrs H says she fell victim to a scam after expressing an interest in an investment opportunity she saw advertised on the te... (4 pages)View decision -
Decision Reference DRN-6173937
23 Feb 2026 Covea Insurance plc UpheldInsuranceDRN-6173937 The complaint Mr T is unhappy that Covea Insurance plc (“Covea”) didn’t cover all his costs for alternative accommodation (AA) following a claim under his home insurance policy. What happened Mr T’s home was significantly damaged by a car that collided with his home. When Co... (3 pages)View decision -
Decision Reference DRN-5951825
23 Feb 2026 Motability Operations Limited Not upheldConsumer CreditDRN-5951825 The complaint Miss E complains that the car she acquired through Motability Operations Limited (“Motability”) wasn’t of satisfactory quality. She says Motability has cancelled the agreement and refunded her, but she wants more compensation to reflect the issues she’s had wit... (3 pages)View decision -
Decision Reference DRN-6033419
23 Feb 2026 Fairscore Ltd UpheldConsumer CreditDRN-6033419 The complaint Miss T complains that Fairscore Ltd trading as Updraft (Updraft) acted irresponsibly when they agreed to lend to her. What happened Miss T successfully applied for three loans with Updraft between 2022 and 2024, as follows: - - - Miss T complained to Updraft... (5 pages)View decision -
Decision Reference DRN-5849951
23 Feb 2026 Lendable Ltd Not upheldConsumer CreditDRN-5849951 The complaint Mrs H has complained that Lendable Ltd (Lendable) are holding her liable for a loan that was taken out in her name without her consent. What happened Mrs H says she fell victim to a scam after expressing an interest in an investment opportunity she saw adverti... (4 pages)View decision -
Decision Reference DRN-6027883
23 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6027883 The complaint Mr S’s complaint is, in essence, that Mitsubishi HC Capital UK PLC trading as Novuna Personal 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 Act 1974 ... (11 pages)View decision