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 382298 results
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Decision Reference DRN-5927034
10 Nov 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5927034 Complaint Mr A has complained about a credit card limit increase HSBC UK Bank Plc (trading as “HSBC”) provided to him. He says that the credit card limit shouldn’t have been increased because his existing debt position meant that it was unaffordable. Background In November ... (4 pages)View decision -
Decision Reference DRN-5926959
10 Nov 2025 HSBC UK Bank Plc Not upheldConsumer CreditDRN-5926959 Complaint Mr A has complained about personal loans HSBC UK Bank Plc (“HSBC”) provided to him. He says that these loans were unaffordable and shouldn’t have been provided. Background HSBC provided Mr A with a first loan for £24,140.00 in August 2023. The loan had an APR of 9... (3 pages)View decision -
Decision Reference DRN-5896926
10 Nov 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5896926 Complaint Mr T has complained about the overdraft charges Clydesdale Bank Plc (“Virgin Money”) applied to his account. Mr T is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr T’s account were unfair as t... (5 pages)View decision -
Decision Reference DRN-5809334
10 Nov 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5809334 Complaint Mrs D has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that all of this credit was unaffordable and caused her continued financial difficulty as the repayments r... (4 pages)View decision -
Decision Reference DRN-5733662
10 Nov 2025 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-5733662 Complaint Mr B complains that Moneybarn No.1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable. Background In November 2019, Moneybar... (3 pages)View decision -
Decision Reference DRN-5758037
10 Nov 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5758037 Complaint Mr T has complained about the overdraft charges HSBC UK Bank Plc (“HSBC”) applied to his account. Mr T is being represented, by the (“representative”), in his complaint. Background Mr T successfully applied for an overdraft on his HSBC current account in July 200... (6 pages)View decision -
Decision Reference DRN-5820288
10 Nov 2025 Admiral Financial Services Limited Not upheldConsumer CreditDRN-5820288 Complaint Mr S has complained about a loan Admiral Financial Services Limited (trading as “Admiral Money”) provided to him. He says that the repayments to the loan were not affordable given his existing indebtedness and so it was irresponsibly provided to him. Background Ad... (3 pages)View decision -
Decision Reference DRN-5904870
10 Nov 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5904870 Complaint Miss S has complained about the overdraft charges Bank of Scotland Plc (trading as “Halifax”) applied to her current account. She’s said the charges applied to her account were unfair as she was effectively living in her overdraft and wasn’t using it for short-term... (6 pages)View decision -
Decision Reference DRN-5690236
10 Nov 2025 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5690236 Complaint Mr E has complained about high-cost short-term credit instalment (“HCSTC”) loans he took out with Evergreen Finance London Limited (trading as “Moneyboat”.co.uk). He says that these loans were unaffordable and so shouldn’t have been provided to him. Background Thi... (3 pages)View decision -
Decision Reference DRN-5931683
10 Nov 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5931683 Complaint Miss B has complained about the overdraft charges Santander UK Plc (“Santander”) applied to her current account. She’s effectively said the charges applied to her account were unfair as she was effectively living in her overdraft and wasn’t using it for short-term ... (6 pages)View decision
