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 381194 results
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Decision Reference DRN-5775201
3 Nov 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5775201 Complaint Mrs S has complained that HSBC UK Bank Plc (“HSBC”) irresponsibly provided a credit card to her. She says that this was irresponsible and resulted in ongoing difficulty. Background Mrs S was initially provided with a credit card by HSBC in August 1995. Given the a... (5 pages)View decision -
Decision Reference DRN-5891994
3 Nov 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5891994 Complaint Mr S has complained about credit cards Barclays Bank UK PLC (trading as “Barclaycard”) provided to him. He says the credit cards and the subsequent limit increases shouldn’t have been provided as they were unaffordable and caused his lending relationships to be unf... (7 pages)View decision -
Decision Reference DRN-5700438
3 Nov 2025 My Finance Club Limited Not upheldConsumer CreditDRN-5700438 Complaint Mr P has complained about high-cost short-term credit loans he took out with My Finance Club Limited (“MFC”). He says that these loans were unaffordable and so shouldn’t have been provided to him. Background This complaint centres on the provision of five high-cos... (4 pages)View decision -
Decision Reference DRN-5888483
3 Nov 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5888483 Complaint Mr S has complained about the overdraft charges National Westminster Bank Public Limited Company (“NatWest”) applied to his account. Mr S is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr S’ a... (5 pages)View decision -
Decision Reference DRN-5914941
3 Nov 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5914941 Complaint Mr B has complained about a credit card Nationwide Building Society (“Nationwide”) and subsequent limit increase provided to him. He says that this credit was unaffordable for him and he had to go onto payment plans which caused ongoing difficulty. Background Nati... (4 pages)View decision -
Decision Reference DRN-5873044
3 Nov 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5873044 Complaint Mr and Ms S have complained about the overdraft charges Santander UK Plc (“Santander”) applied to their current account. Mr and Ms S have said that Santander failed to pick up on their financial difficulty and offer appropriate assistance to exit their overdraft. T... (5 pages)View decision -
Decision Reference DRN-5808491
3 Nov 2025 MBNA Limited Not upheldBanking and PaymentsDRN-5808491 Complaint Mr K has complained about a credit card MBNA Limited (“MBNA”) provided to him. He says that had his bank account been looked at he wouldn’t have been lent to. Background MBNA provided Mr K with a credit card with a limit of £2,700.00 in July 2022. The credit limit... (3 pages)View decision -
Decision Reference DRN-5763949
3 Nov 2025 Volkswagen Financial Services (UK) Limited Not upheldConsumer CreditDRN-5763949 Complaint Miss S complains that Volkswagen Financial Services UK Limited (trading as “Audi” Financial Services) unfairly entered into a hire-purchase agreement with her. She’s said the agreement was unaffordable and so she shouldn’t have been accepted for it. Miss S has use... (3 pages)View decision -
Decision Reference DRN-5610286
3 Nov 2025 FIRST RESPONSE FINANCE LIMITED Not upheldConsumer CreditDRN-5610286 Complaint Mrs M complains that First Response Finance Limited (“First Response”) unfairly entered into a hire-purchase agreement with her. She’s said the payments to her agreement were unaffordable. Background In March 2022, First Response provided Mrs M with finance for a ... (3 pages)View decision -
Decision Reference DRN-5712522
3 Nov 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5712522 Complaint Mr B has complained about a credit card Clydesdale Bank Plc (trading as “Virgin Money”) provided to him. He says no income and expenditure checks were carried out before he was provided with this unaffordable credit card. Background Virgin Money provided Mr B with... (3 pages)View decision
