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-6117427
23 Feb 2026 Brown Shipley & Co Limited UpheldInvestmentsDRN-6117427 The complaint Mr H has complained about the service he has received from Brown Shipley & Co Limited (Brown Shipley) when transferring his investments to a new provider. What happened Mr H began the process of transferring his ISA, SIPP and GIA away from Brown Shipley in... (3 pages)View decision -
Decision Reference DRN-6028692
23 Feb 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-6028692 The complaint Mr K has complained that Zopa Bank Limited (Zopa) unfairly provided him with a loan for debt consolidation. What happened In July 2023, Mr K entered into a finance agreement with Zopa as shown below. Date Amount of credit Term Monthly payment July 2023 £9,8... (3 pages)View decision -
Decision Reference DRN-6083934
23 Feb 2026 Motability Operations Limited Not upheldConsumer CreditDRN-6083934 The complaint Mrs N complains that Motability Operations Limited unfairly terminated the contract hire agreement she entered into to hire a new car for the benefit of her disabled father, Mr N. What happened The detailed background to this complaint is well known to both par... (3 pages)View decision -
Decision Reference DRN-6074090
23 Feb 2026 RCI Financial Services Limited Not upheldConsumer CreditDRN-6074090 The complaint Mr H complains that RCI Financial Services Limited trading as Mobilize Financial Services (“RCIFS”) acted unfairly when it wouldn’t allow him to terminate the hire agreement he took out when he acquired a new car. What happened The detailed background to this c... (4 pages)View decision -
Decision Reference DRN-6165378
23 Feb 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6165378 Complaint Mr K complains that Moneybarn No.1 Limited (trading as “Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said proportionate checks weren’t carried out and he was provided with unaffordable finance. He’s said that Moneybarn failed to dis... (4 pages)View decision -
Decision Reference DRN-6154175
23 Feb 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldConsumer CreditDRN-6154175 Complaint Mr N has complained about personal loans which National Westminster Bank Public Limited Company (“NatWest”) provided to him. He’s said that these loans were unaffordable and this created ongoing difficulty as he had to use further credit to manage. Background Mr N... (5 pages)View decision -
Decision Reference DRN-6072732
23 Feb 2026 Madison CF UK Limited Not upheldConsumer CreditDRN-6072732 Complaint Mr C has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says that it ought to have known the loan was unaffordable and so shouldn’t have provided it to him. Background 118 118 Money provided Mr C with a loan for £1,0... (3 pages)View decision -
Decision Reference DRN-6098829
23 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6098829 Complaint Mrs D has complained that Barclays Bank UK PLC (trading as “Barclaycard”) irresponsibly provided a credit card to her. She says that card was unaffordable and caused ongoing difficulty as she wasn’t able to clear the balance on such a high credit limit. Background... (4 pages)View decision -
Decision Reference DRN-6052798
23 Feb 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-6052798 Complaint Mr and Mrs H have complained about the overdraft charges National Westminster Bank Public Limited Company (“NatWest”) applied to their current account. They’ve said the charges were unfair and kept them overdrawn for an extended period of time. Background There ha... (3 pages)View decision -
Decision Reference DRN-6132870
23 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6132870 Complaint Mr M has complained about a credit card NewDay Ltd (trading as “Aqua”) provided to him. He says the credit card should not have been provided to him as it was unaffordable and caused difficulty. Background Aqua provided Mr M with a credit card with a limit of £1,2... (3 pages)View decision