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 388057 results
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Decision Reference DRN-5833990
13 Jan 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5833990 The complaint Miss W complains that Barclays Bank UK PLC closed her account. What happened Miss W had an account with Barclays. In 2024, Barclays closed Miss W’s account by mistake. Unhappy with this, Miss W complained to Barclays. Barclays upheld the complaint and offered t... (3 pages)View decision -
Decision Reference DRN-5927869
13 Jan 2026 Fluro Platform Limited Not upheldConsumer CreditDRN-5927869 The complaint Mr S complains that Fluro Platform Limited trading as Fluro was irresponsible in its lending to him. He wants his loan written off and any adverse information removed from his credit file. What happened Mr S was issued with a £10,000 loan by Fluro in December 2... (3 pages)View decision -
Decision Reference DRN-6003648
13 Jan 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-6003648 The complaint Mr S is a sole trader, trading as J. He complains that Santander UK Plc unfairly gave him notice that it intended to start charging fees on a bank account that should have been “fee free, forever”. Mr S has made a similar complaint in respect of another accoun... (4 pages)View decision -
Decision Reference DRN-6003226
13 Jan 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-6003226 The complaint Mr S is a sole trader, trading as J. He complains that Santander UK Plc unfairly gave him notice that it intended to start charging fees on a bank account that should have been “fee free, forever”. Mr S has made a similar complaint in respect of another accoun... (4 pages)View decision -
Decision Reference DRN-5766279
13 Jan 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5766279 The complaint Mr L complains that Revolut Ltd won’t refund money he says he lost when he was the victim of an investment scam. Mr L is represented by a firm I’ll refer to as ‘LP’. What happened The background to this complaint is well known to both parties and so I’ll only r... (2 pages)View decision -
Decision Reference DRN-6002226
13 Jan 2026 Aviva Life & Pensions UK Limited Not upheldPensions and AnnuitiesDRN-6002226 The complaint Mrs S has complained to Aviva Life & Pensions UK Limited (Aviva) that it has been unable to tell her where her pension funds were transferred to in 2003. What happened The investigator who considered this matter set out the background to the complaint in he... (3 pages)View decision -
Decision Reference DRN-5947826
13 Jan 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5947826 The complaint Mrs A’s complaint is that Mitsubishi HC Capital UK Plc (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding again... (12 pages)View decision -
Decision Reference DRN-5915137
13 Jan 2026 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-5915137 The complaint Mr F has complained about a conditional sale agreement provided to him in July 2019. The agreement was provided by another business but was later transferred to Link Financial Outsourcing Limited, trading as Asset Link Capital (No.10) (‘ALC10’), Mr F says the... (2 pages)View decision -
Decision Reference DRN-5765218
13 Jan 2026 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5765218 The complaint Miss V complains that Oakbrook Finance Limited (Oakbrook) irresponsibly provided her with two loans. What happened Oakbrook provided Miss V with two loans, as follows: Date Loan amount Period Monthly repayment November 2021 £2,000 (Loan 1) 24 months £112.15 M... (3 pages)View decision -
Decision Reference DRN-5885198
13 Jan 2026 MBNA Limited Not upheldBanking and PaymentsDRN-5885198 The complaint Mr N complains about the way MBNA Limited administered his credit card account during a period of financial difficulty. What happened Mr N held a credit card account with MBNA. In May and August 2024, Mr N requested holds on interest and charges through MBNA’s ... (3 pages)View decision