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 391431 results
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Decision Reference DRN-5563646
4 Feb 2026 Trading 212 UK Limited Not upheldInvestmentsDRN-5563646 The complaint Mr E complains that Trading 212 UK Limited (T212) allowed him to open a contract for differences (CFD) account which was inappropriate for him. He also complains that it didn’t properly provide information or fair pricing for a position he held, and that T212 o... (7 pages)View decision -
Decision Reference DRN-6128741
4 Feb 2026 First Holiday Finance Ltd Not upheldConsumer CreditDRN-6128741 The complaint Mr and Mrs J’s complaint is, in essence, that First Holiday Finance Ltd (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and ... (11 pages)View decision -
Decision Reference DRN-6118658
4 Feb 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6118658 The complaint Mr A is unhappy that a car supplied to him under a conditional sale agreement with Moneybarn No.1 Ltd was of an unsatisfactory quality. What happened Mr A is unhappy that a car supplied to him under a conditional sale agreement with Moneybarn No.1 Ltd was of a... (3 pages)View decision -
Decision Reference DRN-5925586
4 Feb 2026 Crowdcube Capital Limited Not upheldInvestmentsDRN-5925586 The complaint Mr T complains about a fee Crowdcube Capital Limited has introduced when he exits his investments that he purchased on the platform. He says the fee is unjustified considering the minimal administrative work involved. What happened In 2016 Mr T purchased share... (4 pages)View decision -
Decision Reference DRN-5803964
4 Feb 2026 Crowdcube Capital Limited Not upheldInvestmentsDRN-5803964 The complaint Mr F complains about a fee Crowdcube Capital Limited has introduced when he exits his investments that he purchased on the platform. He says the fee is disproportionate and opportunistic. What happened In 2016 Mr F purchased shares in a company, which I shall ... (5 pages)View decision -
Decision Reference DRN-5779725
4 Feb 2026 Crowdcube Capital Limited Not upheldInvestmentsDRN-5779725 The complaint Mr G complains about a fee Crowdcube Capital Limited has introduced when he exits his investments that he purchased on the platform. He says the fee is arbitrary and excessive, given the minimal administrative work involved. What happened In 2016 Mr G purchas... (5 pages)View decision -
Decision Reference DRN-6020763
4 Feb 2026 Revolut Ltd UpheldBanking and PaymentsDRN-6020763 The complaint Ms F is the director of a limited company that I shall refer to as E. Ms F has complained, on E’s behalf, that Revolut Ltd did not refund money E lost to a scam. What happened On 11 September 2023, Ms F received a call from someone she now knows was a scammer. ... (6 pages)View decision -
Decision Reference DRN-5994784
4 Feb 2026 PDL Finance Limited Not upheldConsumer CreditDRN-5994784 The complaint Mrs C complains PDL Finance Limited trading as Mr Lender (“Mr Lender”) gave her a loan without carrying out sufficient affordability checks. What happened Mrs C was granted an instalment loan of £300 in May 2024. She was due to make six variable decreasing mon... (3 pages)View decision -
Decision Reference DRN-5912468
4 Feb 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5912468 The complaint Mr D and Mrs D’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (... (13 pages)View decision -
Decision Reference DRN-6082157
4 Feb 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-6082157 The complaint I’m not upholding this complaint. So, I’m not asking Vanquis Bank Limited to do anything to put things right. I’ll explain why I say that below. Vanquis Bank Limited provided Miss L with a credit card in 2018 with a limit of £1,000. Subsequently the limit was ... (3 pages)View decision