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-6127311
13 Mar 2026 Carmoola Limited Not upheldConsumer CreditDRN-6127311 Complaint Mr W complains that Carmoola Limited (trading as “Carmoola”) unfairly entered into a hire- purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable given his circumstances at the time and so he shouldn’t have been lent to... (3 pages)View decision -
Decision Reference DRN-6210835
12 Mar 2026 Interactive Investor Services Limited Not upheldInvestmentsDRN-6210835 The complaint Mrs W complains that Interactive Investor Services Limited (‘IISL’) failed to process her ‘Bed and ISA’ request in a timely manner. She states that their delays will result in her paying more tax. What happened Mrs W has a trading account and investment ISA wi... (8 pages)View decision -
Decision Reference DRN-5954784
12 Mar 2026 The Royal Bank of Scotland Plc Not upheldConsumer CreditDRN-5954784 The complaint Mr V complains that The Royal Bank of Scotland Plc (RBS) automatically declined his loan application. What happened In September 2025 Mr V applied for a personal loan with RBS. His application was automatically declined. Mr V complained to RBS. In its final res... (2 pages)View decision -
Decision Reference DRN-6061678
12 Mar 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6061678 The complaint Mr F complains that Bank of Scotland plc (‘BoS’) hasn’t reimbursed the money he says he’s lost to a scam. What happened On 31 May 2022, Mr F invested £430,000 with a company I’ll refer to as ‘J’. Mr F has explained that: • J said it had acquired a company I’ll ... (3 pages)View decision -
Decision Reference DRN-6114051
12 Mar 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-6114051 The complaint Mr D, a sole trader, complains Santander UK Plc gave notice in July 2025 that it planned to migrate Mr D’s business account, which is free from fees, to an account which incurs a monthly fee in October 2025. Mr D says this is unfair as the agreement when he too... (4 pages)View decision -
Decision Reference DRN-6137981
12 Mar 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-6137981 The complaint Ms W, a sole trader, complains Santander UK Plc gave notice in July 2025 that it planned to migrate Ms W’s business account, which is free from fees, to an account which incurs a monthly fee in October 2025. Ms W says this is unfair as the agreement was that sh... (4 pages)View decision -
Decision Reference DRN-5885324
12 Mar 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5885324 The complaint Mr B’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... (12 pages)View decision -
Decision Reference DRN-6171672
12 Mar 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6171672 The complaint Mrs K and Mr K complain that Barclays Bank UK PLC didn’t help them to recover the money they lost as the result of a scam. To put matters right they want Barclays to provide a full refund of the money they have lost. What happened Mrs K and Mr K each made a ban... (3 pages)View decision -
Decision Reference DRN-6052206
12 Mar 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6052206 The complaint Mr 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 him under Section 140A of the Consumer Credit... (12 pages)View decision -
Decision Reference DRN-6149443
12 Mar 2026 Chrystal Capital Partners LLP Not upheldInvestmentsDRN-6149443 The complaint Mr and Mrs H say they were told by a representative of Chrystal Capital Partners LLP (Crystal) that it was acting as broker for a Canadian company that was seeking to raise money before going public when great profits would then be made. Mr and Mrs H bought sh... (12 pages)View decision