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-6168027
23 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6168027 The complaint Mr V complains that Revolut Ltd (Revolut) is refusing to refund him the amount he lost as the result of a scam. Mr V is being represented by a third party. To keep things simple, I will refer to Mr V throughout my decision. What happened The background of this ... (6 pages)View decision -
Decision Reference DRN-6173549
23 Feb 2026 Mortgage Advice Bureau Limited UpheldMortgagesDRN-6173549 The complaint Mr F complains that Mortgage Advice Bureau Limited (MAB) failed to secure him a reduced interest rate for his mortgage when interest rates fell. The adviser worked for an appointed representative of MAB, as opposed to MAB itself, but I shall refer to MAB throug... (5 pages)View decision -
Decision Reference DRN-5811027
23 Feb 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5811027 The complaint Mr A complains that Clydesdale Bank Plc trading as Virgin Money are refusing to refund him the amount he lost as the result of a scam. Mr A is represented by a firm I will call “W”. What happened In June 2024, Mr A came across an advert online promoting an inve... (4 pages)View decision -
Decision Reference DRN-6052183
23 Feb 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-6052183 The complaint Mr D has complained that Zopa Bank Limited, were irresponsible when providing him with a loan. Mr D is supported in bringing this complaint by a representative. But, for ease, I’ll refer to actions and submissions as being those of Mr D himself. What happened Z... (3 pages)View decision -
Decision Reference DRN-6057125
23 Feb 2026 Barclays Bank UK PLC Not upheldConsumer CreditDRN-6057125 The complaint Miss S complains that Barclays Bank UK PLC trading as Tesco Bank (Tesco Bank) acted irresponsibly when they agreed to lend to her. What happened Miss S was given two loans from Tesco Bank. The first was in April 2023, for £8,500 with an APR of 8.9%, this requi... (5 pages)View decision -
Decision Reference DRN-6161902
23 Feb 2026 Shawbrook Bank Limited UpheldConsumer CreditDRN-6161902 The complaint Ms D and Mr R 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) ... (12 pages)View decision -
Decision Reference DRN-5811001
23 Feb 2026 MBNA Limited Not upheldBanking and PaymentsDRN-5811001 The complaint Mr A complains that MBNA Limited are refusing to refund him the amount he lost as the result of a scam. Mr A is represented by a firm I will call “W”. What happened In June 2024, Mr A came across an advert online promoting an investment opportunity. After compl... (5 pages)View decision -
Decision Reference DRN-6160519
23 Feb 2026 EUI Limited UpheldConsumer CreditDRN-6160519 The complaint Mr D complains he was given incorrect information about a default being applied to his credit file, in relation to an agreement he held with EUI Limited trading as Elephant (“Elephant”). What happened In September 2024, Mr D took out an insurance policy to ins... (4 pages)View decision -
Decision Reference DRN-6136330
23 Feb 2026 Plata Finance Limited Not upheldConsumer CreditDRN-6136330 Complaint Miss B has complained about a loan Plata Finance Limited (“Plata”) provided to her. She says the loan was unaffordable given her personal and financial circumstances and so shouldn’t have been provided. Background Plata provided Miss B with a loan for £15,000.00 i... (3 pages)View decision -
Decision Reference DRN-5945813
23 Feb 2026 Fairscore Ltd Not upheldConsumer CreditDRN-5945813 The complaint Mr D complains that Fairscore Limited trading as Updraft (Fairscore) irresponsibly provided him with a loan. What happened Fairscore provided Mr D with a loan, as follows: Date Loan amount Period Monthly repayment August 2021 £7,00036 months £251.86 The loan... (4 pages)View decision