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-6223009
16 Mar 2026 Lendable Ltd UpheldConsumer CreditDRN-6223009 The complaint Mr B complains that Lendable Limited was irresponsible in its lending to him and that he was not adequately assessed for the credit. What happened Mr B applied for credit with Lendable and had a loan approved as follows: Date Amount of Credit APR Loan Term Mo... (4 pages)View decision -
Decision Reference DRN-6222266
16 Mar 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-6222266 The complaint Mr F complained about the way Clydesdale Bank Plc trading as Virgin Money (Virgin Money) administered his credit card account. What happened Mr F contacted Virgin Money in May 2025 and asked for support. Virgin Money explained that it could apply breathing spac... (3 pages)View decision -
Decision Reference DRN-5818144
16 Mar 2026 Tesco Underwriting Limited Not upheldInsuranceDRN-5818144 The complaint Mr T has complained about the way in which Tesco Underwriting Limited (‘Tesco’) handled claims under his home insurance policy. For the avoidance of doubt, the term ‘Tesco’ includes reference to its agents and representatives for the purposes of this decision. ... (3 pages)View decision -
Decision Reference DRN-6117175
16 Mar 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6117175 The complaint Mr A’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 them under Section 140A of the Consumer Credi... (8 pages)View decision -
Decision Reference DRN-6062109
16 Mar 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6062109 The complaint Mr K complains Bank of Scotland plc, trading as Halifax (‘Halifax’) unfairly declined his claim under Section 75 of the Consumer Credit Act 1974 (‘S75 of the CCA’). What happened Mr K had a flight booked with Airline C, however due to staff at Airline C going ... (4 pages)View decision -
Decision Reference DRN-5961653
16 Mar 2026 Barclays Bank UK PLC Not upheldMortgagesDRN-5961653 The complaint Miss R has complained about what happened when she applied for further borrowing on a buy to let (“BTL”) mortgage she holds with Barclays Bank UK PLC. The valuation that was carried out came in lower than Miss R thought and she’s unhappy with that, and also wit... (3 pages)View decision -
Decision Reference DRN-6218166
16 Mar 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-6218166 Complaint Mr D has complained about the overdraft charges National Westminster Bank Public Limited Company (“NatWest”) applied to his current account. He’s effectively said that the overdraft was unaffordable and so he shouldn’t have been provided with it. Therefore, the cha... (6 pages)View decision -
Decision Reference DRN-5486749
16 Mar 2026 Royal London Mutual Insurance Society, Limited (THE) Not upheldInsuranceDRN-5486749 The complaint In summary, Mr H is unhappy as he doesn’t think The Royal London Mutual Insurance Society Limited (‘Royal London’) has correctly administered the reviewable whole of life policy that’s held with it and he’s unhappy with the redress it has provided him with. Wh... (5 pages)View decision -
Decision Reference DRN-6226439
16 Mar 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-6226439 The complaint Miss K complains that Vanquis Bank Limited irresponsibly lent to her. What happened Miss K was approved for a Vanquis credit card in December 2024, with a £2,000 credit limit. Miss K says this was irresponsibly lent to her and she made a complaint to Vanquis, ... (3 pages)View decision -
Decision Reference DRN-6226322
16 Mar 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6226322 The complaint Mrs 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 them under Section 140A of the Consumer Credit Act 1974... (8 pages)View decision