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
-
Decision Reference DRN-6050359
11 Feb 2026 PDL Finance Limited Not upheldConsumer CreditDRN-6050359 The complaint Mr T complains that PDL Finance Limited trading as Mr Lender lent to him irresponsibly four times between April 2022 and January 2025. What happened The loans ranged from £200 to £790. There were significant gaps between Loans 1 and 2 and Loans 3 and 4. The de... (2 pages)View decision -
Decision Reference DRN-6078259
11 Feb 2026 The Enterprise Fund Limited Not upheldConsumer CreditDRN-6078259 The complaint Mr N complains that The Enterprise Fund Limited “The Enterprise Fund” didn’t accept a bill of exchange as a means of paying the balance on his loan. What happened Aside from setting out Mr N’s complaint, I won’t repeat the facts of the case here, as those aren... (3 pages)View decision -
Decision Reference DRN-5996852
11 Feb 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5996852 The complaint Ms B complains that Bank of Scotland plc trading as “Halifax” declined a transaction she attempted to make while she was away on holiday. What happened Ms B says she went on holiday and before travelling, she let Halifax know. She went to a restaurant for her ... (2 pages)View decision -
Decision Reference DRN-6136555
11 Feb 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6136555 The complaint Mr C says Revolut Ltd unfairly closed his account. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key events here. Mr C opened his Revolut account in June 2024. On 1... (3 pages)View decision -
Decision Reference DRN-5970275
11 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-5970275 The complaint Mr N complains about the way NewDay Ltd (“NewDay”) dealt with his attempt to pay his credit card balance with a bill of exchange. What happened Aside from setting out Mr N’s complaint, I won’t repeat all the facts of the case here, as those aren’t in dispute. ... (4 pages)View decision -
Decision Reference DRN-5111688
11 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5111688 The complaint Mrs 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 Cred... (14 pages)View decision -
Decision Reference DRN-6146154
11 Feb 2026 Barclays Bank UK PLC UpheldConsumer CreditDRN-6146154 The complaint Ms M is unhappy with how Barclays Bank UK PLC have engaged with her in relation to two loan accounts, and the overdraft on her current account. What happened In mid-July 2024 Ms M let Barclays know her circumstances had changed meaning she was unable to work a... (6 pages)View decision -
Decision Reference DRN-6147081
11 Feb 2026 Squareup Europe Ltd Not upheldBanking and PaymentsDRN-6147081 The complaint Mr S complains that Squareup Europe Ltd deactivated his merchant account and had his name added to the MasterCard Alert to Control High-risk Merchants (or MATCH) list under code 10 (violation of standards). He wants the service reinstated and to be told the rea... (2 pages)View decision -
Decision Reference DRN-5868946
11 Feb 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5868946 The complaint Miss J complains that National Westminster Bank Public Limited Company (NatWest) was irresponsible in its lending to her on two occasions and that she was not adequately assessed for the credit. What happened Miss J applied for credit cards with NatWest and had... (4 pages)View decision -
Decision Reference DRN-5766764
11 Feb 2026 THE CO-OPERATIVE BANK P.L.C. Not upheldBanking and PaymentsDRN-5766764 The complaint Mr G complains his credit card account’s mobile phone banking app, held with THE CO- OPERATIVE BANK P.L.C. (“The Co-op”) is not fit for purpose. What happened Beyond setting out Mr G’s complaint, I won’t repeat all the facts here as they’re not in dispute. Ins... (3 pages)View decision