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-6276127
22 Apr 2026 Inclusive Finance Limited UpheldConsumer CreditDRN-6276127 The complaint Mrs C complains that Inclusive Finance Limited trading as Creditspring (Creditspring) lent to her irresponsibly. What happened Mrs C was provided with two loans. The first was made in June 2023 and the second was made in June 2024. The amount of credit availab... (4 pages)View decision -
Decision Reference DRN-5921842
22 Apr 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5921842 The complaint Mr U complains that Barclays Bank UK PLC trading as Barclaycard didn’t do enough to stop his credit card being used for gambling transactions. What happened Mr U used his credit card to make multiple deposits to two different online gambling operators. He said... (4 pages)View decision -
Decision Reference DRN-6272905
22 Apr 2026 Oakbrook Finance Limited Not upheldConsumer CreditDRN-6272905 The complaint Mr C complains that Oakbrook Finance Limited trading as Finio Loans lent irresponsibly when it approved his loan application. What happened Mr C applied for a loan of £3,000 plus £2,019.60 of interest in July 2023. In his application, Mr C said he was employed... (3 pages)View decision -
Decision Reference DRN-5916113
22 Apr 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5916113 The complaint Mr K complains that Revolut Ltd (“Revolut”) won’t refund him the money he lost after he fell victim to an Authorised Push Payment (‘APP’) scam. In bringing his complaint to this service Mr K is represented, however for ease of reading I will, in the main, refe... (4 pages)View decision -
Decision Reference DRN-6210846
22 Apr 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6210846 The complaint Miss F complains that Revolut Ltd held her responsible for payments made from her account. The background to this complaint is well known to both parties. So, if there’s a submission I’ve not addressed; it isn’t because I’ve ignored the point. It’s simply beca... (2 pages)View decision -
Decision Reference DRN-6266813
22 Apr 2026 Royal London Mutual Insurance Society, Limited (THE) Not upheldInsuranceDRN-6266813 The complaint Mr RE’s complained – in his capacity as representative of the late Mr E’s estate – about the way the Royal London Mutual Insurance Society Limited dealt with the late Mr E’s terminal illness claim. What happened Mr E bought a life and critical illness policy fr... (2 pages)View decision -
Decision Reference DRN-6273501
22 Apr 2026 Scottish Widows Limited Not upheldInvestmentsDRN-6273501 The complaint Mr N complains about how SCOTTISH WIDOWS LIMITED trading as Halifax Financial Services (HFS) administered a withdrawal from his investment. What happened Mr N complained to HFS when he received a chargeable event certificate relating to a recent withdrawal from... (2 pages)View decision -
Decision Reference DRN-5906824
22 Apr 2026 J D Williams & Company Limited Not upheldConsumer CreditDRN-5906824 The complaint Miss G is complaining that JD Williams & Company Limited (JDW) lent to her irresponsibly by providing her with, and then increasing the credit limit on, a catalogue shopping account. What happened In July 2016, Miss G opened an account with JDW. They approv... (5 pages)View decision -
Decision Reference DRN-6074215
22 Apr 2026 Healthcare Finance Limited Not upheldConsumer CreditDRN-6074215 The complaint Mrs T has complained about the way Healthcare Finance Limited (“HFL”) dealt with a claim in relation to dental treatment which she paid for with credit it provided. What happened The circumstances of the complaint are well known to the parties so I won’t go ove... (4 pages)View decision -
Decision Reference DRN-6256423
22 Apr 2026 Haven Insurance Company Limited Not upheldInsuranceDRN-6256423 The complaint Mrs O complains about Haven Insurance Company Limited’s decision to decline her home insurance claim for damage to a flat roof. What happened The background to this complaint is well known to both parties, so I’ll give only a brief summary here. No disrespect i... (4 pages)View decision