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 380824 results
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Decision Reference DRN-5635061
18 Jul 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5635061 The complaint Mr W complains that Clydesdale Bank Plc trading as Virgin Money irresponsibly lent to him. Mr W is represented by a solicitor’s firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by M... (2 pages)View decision -
Decision Reference DRN-5522329
18 Jul 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5522329 The complaint Mr H complains that Barclays Bank UK PLC trading as Tesco Bank have irresponsibly lent to him. Mr H is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as be... (4 pages)View decision -
Decision Reference DRN-5693485
18 Jul 2025 Amplifi Capital (U.K.) Limited UpheldConsumer CreditDRN-5693485 The complaint Miss J says Amplifi Capital (U.K.) Limited, trading as Reevo Money, irresponsibly lent to her. What happened Miss J took out a loan for £5,000 over 60 months on 16 April 2024. The monthly repayments were £147.11. Miss J says Reevo Money should never have accept... (3 pages)View decision -
Decision Reference DRN-5700731
18 Jul 2025 Startline Motor Finance Limited UpheldConsumer CreditDRN-5700731 The complaint Miss C complains that a car acquired under a hire purchase agreement with Startline Motor Finance Limited (“Startline”) wasn’t of satisfactory quality when it was supplied to her. What happened Both parties are familiar with the background of this complaint so... (3 pages)View decision -
Decision Reference DRN-5483390
18 Jul 2025 Tandem Home Loans Ltd UpheldMortgagesDRN-5483390 The complaint Mr F’s complaint is about a second charge mortgage he has with Tandem Home Loans Ltd. He thinks the decision to lend to him was irresponsible as he doesn’t think proportionate checks were done and the mortgage was unaffordable. Mr F is represented in his compla... (4 pages)View decision -
Decision Reference DRN-5566155
18 Jul 2025 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5566155 The complaint Miss N complains Barclays Bank UK PLC unfairly loaded her details to a fraud database. What happened Barclays sent Miss N a letter, in November 2022, to say it had closed her account. Miss N complained to Barclays, and it responded to say it had reviewed this... (4 pages)View decision -
Decision Reference DRN-5472202
18 Jul 2025 Aldermore Bank Plc Not upheldMortgagesDRN-5472202 The complaint The director of AW, a limited company, has complained about Aldermore Bank Plc declining an application for further borrowing. AW’s director thinks the valuation was wrong and so Aldermore made the wrong decision, which forced a re-mortgage of the property with... (5 pages)View decision -
Decision Reference DRN-5700555
18 Jul 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5700555 The complaint Miss B complains through a representative that Moneybarn No.1 Limited trading as Moneybarn (“Moneybarn”) gave her a loan without carrying out a sufficient affordability assessment. What happened In June 2023, Moneybarn provided Miss B with a conditional sale a... (4 pages)View decision -
Decision Reference DRN-5688533
18 Jul 2025 Santander UK Plc UpheldConsumer CreditDRN-5688533 The complaint Mr G complains through a representative that Santander (UK) Plc (“Santander”) gave him a loan without carrying out sufficient affordability checks. What happened In March 2019, Santander provided Mr G with a personal loan of £1,000. There were interest fees an... (4 pages)View decision -
Decision Reference DRN-5700587
18 Jul 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5700587 The complaint X complains that Revolut Ltd (‘Revolut’) won’t refund the money they lost after falling victim to a scam. What happened The background to this complaint isn’t in dispute, so I won’t go into detail. In summary, X fell victim to a safe account scam. The scammer... (7 pages)View decision
