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
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Decision Reference DRN-6130831
11 Feb 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-6130831 The complaint Miss B complains that Barclays Bank UK PLC trading as Tesco Bank irresponsibly lent to her. What happened Miss B was approved for a Tesco credit card in November 2022, with a £2,450 credit limit. The credit limit was increased to £4,450 in August 2023, and it w... (4 pages)View decision -
Decision Reference DRN-5913945
11 Feb 2026 Nationwide Building Society Not upheldMortgagesDRN-5913945 The complaint Mrs S complains that Nationwide Building Society declined her application to take on a mortgage in her sole name. What happened Mrs S has a mortgage in joint names with her now ex-husband. When they separated, Mrs S took on responsibility for paying the mortgag... (3 pages)View decision -
Decision Reference DRN-5970713
11 Feb 2026 Bamboo Limited Not upheldConsumer CreditThe complaint Bamboo Limited, trading as Bamboo (‘Bamboo’) provided Miss A with two loans – one in 2018 and another in 2019 – which she says were provided irresponsibly. What happened Bamboo provided Miss A with the first loan in September 2018. The loan was for £5,000 and was to be repaid... (2 pages)View decision -
Decision Reference DRN-5988532
11 Feb 2026 EQUINE AND LIVESTOCK INSURANCE COMPANY LIMITED (THE) Not upheldInsuranceDRN-5988532 The complaint Mrs B has complained that EQUINE AND LIVESTOCK INSURANCE COMPANY LIMITED (THE) (E&L) unreasonably and unfairly failed to pay the full sum insured for her horse, following his death What happened Mrs B took out this horse policy with E&L in September 201... (5 pages)View decision -
Decision Reference DRN-6144612
11 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6144612 The complaint Mr O’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 him under Section 140A of the Consumer Credit... (13 pages)View decision -
Decision Reference DRN-6144786
11 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6144786 The complaint Mrs P’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 her under Section 140A of the Consumer Cred... (7 pages)View decision -
Decision Reference DRN-5966807
11 Feb 2026 Santander UK Plc UpheldBanking and PaymentsDRN-5966807 The complaint Miss W complains that Santander UK Plc (Santander) was irresponsible in granting her a personal current account overdraft, as it was unaffordable for her. She also complains that Santander allowed her to retain the overdraft when she was using it to gamble and ... (3 pages)View decision -
Decision Reference DRN-6144661
11 Feb 2026 Allianz Insurance Plc UpheldInsuranceDRN-6144661 The complaint Ms W has complained about her let property insurer Allianz Insurance Plc regarding its handling of and settlement for a claim she made to it when her let property suffered water ingress. What happened Ms W let a property which was tenanted. In November 2022, M... (11 pages)View decision -
Decision Reference DRN-6090337
11 Feb 2026 Oakbrook Finance Limited Not upheldConsumer CreditDRN-6090337 The complaint Mr B is unhappy OAKBROOK FINANCE LIMITED trading as Oakbrook Loans provided him with a loan which was unaffordable. What happened In August 2025, Oakbrook provided Mr B with a loan for £2,500. This was due to be repaid in 48 monthly instalments of around £81. ... (3 pages)View decision -
Decision Reference DRN-6137688
11 Feb 2026 REMITLY U.K., LTD Not upheldBanking and PaymentsDRN-6137688 The complaint Mr C is complaining that REMITLY U.K., LTD (Remitly) didn’t do enough to prevent him from making payments to an investment scheme which was later identified to be a scam. What happened Mr C decided to invest in a scheme I’ll call M. He instructed Remitly to mak... (2 pages)View decision