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-6204238
12 Mar 2026 Oakbrook Finance Limited Not upheldConsumer CreditDRN-6204238 The complaint Mr H complains OAKBROOK FINANCE LIMITED (“Oakbrook”) provided him with multiple loans which were unaffordable. What happened Between April 2023 and June 2025, Mr H applied for four loans with Oakbrook: • Loan one: £2,200, repayable over 36 months, with monthly ... (3 pages)View decision -
Decision Reference DRN-6183904
12 Mar 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6183904 The complaint Mr G is unhappy Barclays Bank UK PLC won’t reimburse him for the money he lost when he fell victim to a scam. Mr G is represented in this complaint by a solicitor, but for simplicity I will largely refer to Mr G throughout this decision, even when referencing ... (3 pages)View decision -
Decision Reference DRN-5900000
12 Mar 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5900000 The complaint Mr D’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... (11 pages)View decision -
Decision Reference DRN-6204265
12 Mar 2026 Black Horse Limited Not upheldConsumer CreditDRN-6204265 The complaint Miss M has complained that Black Horse Limited unfairly provided her with credit for a car. What happened In August 2022, Miss M entered into a finance agreement with Black Horse for the purchase of a car as shown below. Date Amount of credit Term Monthly p... (3 pages)View decision -
Decision Reference DRN-5911319
12 Mar 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5911319 The complaint S, a trust, is unhappy with the way Lloyds Bank PLC has handled the expiration of a loan taken out by the trust. What happened S had a commercial loan agreement with Lloyds which was set to end on 23 December 2024. This loan was in three parts and this complai... (5 pages)View decision -
Decision Reference DRN-6131979
12 Mar 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6131979 The complaint Mr R complains Monzo Bank Ltd has recorded his personal details with Cifas – a fraud prevention database – and won’t remove them. What happened On 5 March 2025, Mr R received a payment of £250 into his Monzo account. Monzo later received notification that the ... (2 pages)View decision -
Decision Reference DRN-6182059
12 Mar 2026 Stellantis Financial Services UK Limited Not upheldConsumer CreditDRN-6182059 The complaint Mr A has complained about the way Stellantis Financial Services UK Limited (Stellantis) administered a conditional sale agreement he’d taken out to acquire a car. What happened To summarise, in August 2022 Mr A entered into a conditional sale agreement with Ste... (3 pages)View decision -
Decision Reference DRN-6191651
12 Mar 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6191651 The complaint Mr H complains that Monzo Bank Ltd will not refund the money he lost when he was the victim of a scam. Mr H is represented in this complaint by a claims management company, but for simplicity I will refer to Mr H throughout this decision, even when referencing ... (3 pages)View decision -
Decision Reference DRN-5877635
12 Mar 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5877635 The complaint Miss B, a sole trader, complains that Lloyds Bank PLC is unfairly holding her personally liable for a bounce back loan (“BBL”), which was used by her limited company. .What happened Miss B operated a business as a sole trader and held a business current account... (2 pages)View decision -
Decision Reference DRN-6027101
12 Mar 2026 Advantage Insurance Company Limited Not upheldInsuranceDRN-6027101 The complaint Mr D complains that Advantage Insurance Company Limited (Advantage) unfairly handled a claim under his motor insurance policy, and this led to him incurring a financial loss following the depreciation of his car. What happened The circumstances of this case are... (3 pages)View decision