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 392389 results
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Decision Reference DRN-5838683
13 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5838683 The complaint Mr and Mrs W complain that Shawbrook Bank Limited (‘Shawbrook’) is liable to pay them compensation under the Consumer Credit Act 1974 (as amended) (the ‘CCA’) following a complaint made about a timeshare bought using credit it provided. What happened On 8 Augus... (7 pages)View decision -
Decision Reference DRN-5413439
13 Feb 2026 Crowdcube Capital Limited Not upheldInvestmentsDRN-5413439 The complaint Miss T complains Crowdcube Capital Limited has unfairly sold shares she owned to pay for fees. She says she now has lost the value of all of the shares she held as a result. What happened Miss T made inquiries with Crowdcube about selling her shares but was in... (3 pages)View decision -
Decision Reference DRN-5984804
13 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5984804 The complaint Mr N complains about how Barclays Bank UK PLC handled his request for help in getting a refund form a retailer. What happened In December 2024, Mr N ordered an appliance online from a retailer. He said the appliance wasn’t working properly so he contacted the r... (2 pages)View decision -
Decision Reference DRN-6141789
13 Feb 2026 Aviva Insurance Limited Not upheldInsuranceDRN-6141789 The complaint Mrs B and Mr Z have complained that Aviva Insurance Limited (Aviva) declined a claim they made for storm damage to their home. What happened Mrs B and Mr Z held a home insurance policy underwritten by Aviva. In November 2024 they made a claim to Aviva for stor... (4 pages)View decision -
Decision Reference DRN-6139749
13 Feb 2026 Bank of Scotland Plc Not upheldMortgagesDRN-6139749 The complaint Mr and Mrs W complain that Bank of Scotland plc trading as Halifax are taking legal action against them which they think is unfair. They have also complained about how their mortgage has been administered. What happened Mr and Mrs W have had a residential mortg... (8 pages)View decision -
Decision Reference DRN-6149440
13 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6149440 The complaint Mr G’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 unfair credit relationships with him under Section 140A of the Consumer Credit A... (13 pages)View decision -
Decision Reference DRN-5952610
13 Feb 2026 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5952610 The complaint Mr B complains that HSBC UK Bank Plc won’t refund the money he lost when he was the victims of what he feels was a scam. What happened In April 2020, Mr B decided to invest in a company which leased cars. He understood his investment would be used to fund vehi... (6 pages)View decision -
Decision Reference DRN-6140929
13 Feb 2026 Gain Credit LLC UpheldConsumer CreditDRN-6140929 The complaint Mr R complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) gave him loans without carrying out sufficient affordability checks. What happened A summary of Mr R’s borrowing can be found in the table below. loan number loan amount agreemen... (8 pages)View decision -
Decision Reference DRN-6027580
13 Feb 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6027580 The complaint Bank of Scotland plc trading as Halifax (‘Halifax’) provided Mr W with a credit card in 2020. It had a credit limit of £11,000 and it was started to accept a balance transfer from two other cards of just over £9,000. Mr W says the credit was provided irresponsi... (2 pages)View decision -
Decision Reference DRN-5812473
13 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5812473 The complaint Mr J complains Revolut Ltd has recorded his personal details with Cifas – a fraud prevention database - and won’t remove them. What happened On 11 January 2025, Mr J received a payment of £200 into his Revolut account. Revolut later received notification from ... (3 pages)View decision