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 393318 results
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Decision Reference DRN-5957541
19 Feb 2026 Gain Credit LLC Not upheldConsumer CreditDRN-5957541 The complaint Miss R complains that Gain Credit LLC trading as Lending Stream lent to her twice in 2024 when she could not afford to repay the loans. Miss R says that the lending created a reliance on payday loans. What happened Miss R took three loans with Lending Stream b... (2 pages)View decision -
Decision Reference DRN-6165631
19 Feb 2026 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-6165631 The complaint Mr E complains that Clydesdale Bank Plc (trading as Virgin Money) incorrectly allocated his credit card balance between his promotional rates. What happened Mr E says he took advantage of three 0% balance transfer offers which were due to end towards the end o... (2 pages)View decision -
Decision Reference DRN-6077826
19 Feb 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6077826 The complaint Mr O complains that Monzo Bank Ltd (Monzo) did not adhere to the correct timescales for completing a Data Subject Access Request (dSAR). He states it did not contain all the documents requested, or the accompanying password to open the documents. What happened ... (3 pages)View decision -
Decision Reference DRN-5973058
19 Feb 2026 First Central Underwriting Limited UpheldInsuranceDRN-5973058 The complaint Mr E complains that First Central Underwriting Limited (First Central) is asking him to pay a third-party claim on his motor insurance policy. What happened Mr E had a motor insurance policy underwritten by First Central, originally taken out in August 2020 v... (3 pages)View decision -
Decision Reference DRN-6159684
19 Feb 2026 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6159684 The complaint Mr H complains that The Royal Bank of Scotland Plc (RBS) didn’t pay out on a cashback claim for his ticket purchases. What happened Mr H had an account with RBS. One of the account benefits was that a percentage of cashback could be claimed from certain purchas... (2 pages)View decision -
Decision Reference DRN-5947832
19 Feb 2026 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-5947832 The complaint Mr J complains about the amount Admiral Insurance (Gibraltar) Limited (“Admiral”) valued his car for when he made a claim under his motor insurance policy. What happened Mr J had a motor insurance policy with Admiral covering his car. He was involved in an inci... (2 pages)View decision -
Decision Reference DRN-5994115
19 Feb 2026 Starling Bank Limited Not upheldBanking and PaymentsDRN-5994115 The complaint Mr L complains that Starling Bank Limited (‘Starling’) won’t reimburse his loss after he made payments to an online company. What happened Mr L says that he came across a competition or prize draw site I’ll call ‘P’ in this decision. He says the marketing made... (4 pages)View decision -
Decision Reference DRN-5458001
19 Feb 2026 ST. JAMES'S PLACE UK PLC Not upheldInvestmentsDRN-5458001 The complaint Mr and Mrs S complain that St. James’s Place UK Plc (“SJP”) failed to provide complete information to their financial advisers regarding a bond withdrawal, which led to them incurring a large tax liability. What happened The background to the complaint will be ... (2 pages)View decision -
Decision Reference DRN-5935390
19 Feb 2026 Curve UK Limited Not upheldBanking and PaymentsDRN-5935390 The complaint Mr A’s complaint relates to Curve UK Limited trading as Curve and its Fronted Service and fees. He says he’s out of pocket and would like to be compensated. What happened A summary of what happened is below. Mr A has a Curve wallet that he can use to make payme... (2 pages)View decision -
Decision Reference DRN-6103720
19 Feb 2026 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-6103720 The complaint Mrs K doesn’t feel that the £75 compensation offered to her by Monzo Bank Limited reflects the distress caused by an error it made with her account balance. Additionally, Mrs K was unhappy that Monzo asked her to provide identification. and a selfie to allow t... (2 pages)View decision