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 401363 results
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Decision Reference DRN-6055609
16 Mar 2026 Charter Court Financial Services Limited Not upheldMortgagesDRN-6055609 The complaint Mr C has complained about a buy to let (“BTL”) mortgage he holds with Charter Court Financial Services Limited trading as Precise Mortgages. Mr C is unhappy with the actions of the Law of Property Act Receiver (“Receiver”) that was appointed, and he has also ra... (2 pages)View decision -
Decision Reference DRN-6225859
16 Mar 2026 First Holiday Finance Ltd Not upheldConsumer CreditDRN-6225859 The complaint Mr L and Mrs L’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’) an... (11 pages)View decision -
Decision Reference DRN-6069470
16 Mar 2026 Nationwide Building Society Not upheldBanking and PaymentsDRN-6069470 The complaint Miss B complains Nationwide Building Society declined to refund transactions which she says she didn’t make. What happened Miss B had an account with Nationwide. Between 9 June and 16 June 2025, 29 payments, totalling £650, were made via her Nationwide card lo... (3 pages)View decision -
Decision Reference DRN-6048025
16 Mar 2026 Lendable Ltd Not upheldConsumer CreditDRN-6048025 The complaint Miss N complains that Lendable Ltd (‘Lendable’) reported a default to her credit file and didn’t communicate clearly with her about this. She’d like her credit file amending. What happened In May 2022 Lendable gave Miss N a 24 month personal loan. Miss N fell i... (2 pages)View decision -
Decision Reference DRN-6217206
16 Mar 2026 Accord Mortgages Limited Not upheldMortgagesDRN-6217206 The complaint Mr W complains about how he was treated by Accord Mortgages Limited when his mortgage went into arrears. What happened Mr W had a mortgage with Accord. The property and the mortgage was in his sole name, but his then wife, who I’ll call Ms E, was living in the ... (4 pages)View decision -
Decision Reference DRN-6172840
16 Mar 2026 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-6172840 The complaint Mr M complains about how Admiral Insurance (Gibraltar) Limited (Admiral) handled a claim on his car insurance policy. Mr M is being represented by his wife in this complaint but as Mr M is the policyholder, and for ease, I’ve referred to him throughout. What ... (3 pages)View decision -
Decision Reference DRN-6048979
16 Mar 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6048979 The complaint Mrs J’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 her under Section 140A of the Consumer Cre... (7 pages)View decision -
Decision Reference DRN-6004361
16 Mar 2026 The National Farmers' Union Mutual Insurance Society Limited Not upheldInsuranceDRN-6004361 The complaint Mr D and Miss Q complain about the way The National Farmers' Union Mutual Insurance Society Limited (NFU Mutual) have administered their commercial buildings and contents policy. What happened The details of what happened are well known to both parties. I ... (2 pages)View decision -
Decision Reference DRN-6103560
16 Mar 2026 BMW Financial Services (GB) Limited UpheldConsumer CreditDRN-6103560 The complaint Mrs B is unhappy with how BMW Financial Services (GB) Limited trading as Alphera Financial (‘Alphera’) says it will report end of contract charges to her credit file, if these aren’t paid within 28 days. What happened On 14 July 2025 Mrs B contacted Alphera to ... (2 pages)View decision -
Decision Reference DRN-6073700
16 Mar 2026 Lendable Ltd Not upheldConsumer CreditDRN-6073700 The complaint Mrs P complains Lendable Ltd card account. What happened In 2024, Mrs P was provided with a loan by Lendable. I’ve included details of the loan below. Date Amount Term Fee Repayments 21 November 2024 £3,00048 months £230£92 In 2025, Mrs P complained. In summ... (4 pages)View decision