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 381082 results
-
Decision Reference DRN-5663395
21 Jul 2025 Healthcare Finance Limited UpheldConsumer CreditDRN-5663395 The complaint Mr T complains that Healthcare Finance Limited (“HFL”) failed to pay out on a claim he made to it about the failure of a supplier to deliver the dental treatment which he paid for with credit it provided. What happened In October 2022 Mr T entered into a 25-mon... (4 pages)View decision -
Decision Reference DRN-5512196
21 Jul 2025 MBNA Limited Not upheldBanking and PaymentsDRN-5512196 Complaint Miss M has complained that MBNA Limited (“MBNA”) irresponsibly provided a credit card to her. She says that the credit card was unaffordable and led to hardcore borrowing which created ongoing difficulty. Background In March 2017, MBNA provided Miss M with a credi... (6 pages)View decision -
Decision Reference DRN-5402674
21 Jul 2025 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5402674 Complaint Miss P has complained about a loan Oakbrook Finance Limited (trading as “Finio Loans”) provided to her. She says the loan was unaffordable and so shouldn’t have been provided. Background Finio Loans provided Miss P with a loan for £1,000.00 in May 2024. This loan ... (2 pages)View decision -
Decision Reference DRN-5682144
21 Jul 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-5682144 Complaint Mr M says that TSB Bank plc (“TSB”) unfairly provided him with overdrafts and continued to allow him to use them even when it was evident he was unable to repay to what he owed. Background When it investigated Mr M’s complaint, TSB accepted that it shouldn’t have ... (3 pages)View decision -
Decision Reference DRN-5682252
21 Jul 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5682252 Complaint Mr J has complained about the overdraft charges HSBC UK Bank Plc (“HSBC”) applied to his account. Mr J is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr J’s account were unfair as there was a ... (6 pages)View decision -
Decision Reference DRN-5630758
21 Jul 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5630758 Complaint Mr and Mrs C have complained about the overdraft charges Santander UK Plc (“Santander”) applied to their current account. Mr and Mrs C are being represented, by the (“representative”), in their complaint. The representative has said the charges applied to Mr and ... (5 pages)View decision -
Decision Reference DRN-5598199
21 Jul 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5598199 Complaint Mr G complains that Oodle Financial Services Limited (trading as “Oodle” Car Finance) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In March 2021, Oodle provided Mr G w... (3 pages)View decision -
Decision Reference DRN-5659674
21 Jul 2025 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-5659674 Complaint Mr H complains that BMW Financial Services (GB) Limited (trading as “Alphera” Financial Services) unfairly entered into a hire-purchase agreement with him. He’s said that the finance was unaffordable which resulted in him having to borrow elsewhere to make his repa... (5 pages)View decision -
Decision Reference DRN-5610042
21 Jul 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5610042 Complaint Ms M has complained about the overdraft charges Clydesdale Bank Plc (trading as “Virgin Money”) applied to her current account. Ms M is being represented, by the (“representative”), in her complaint. The representative has said the charges applied to Ms M’s accou... (5 pages)View decision -
Decision Reference DRN-5483573
20 Jul 2025 Zurich Assurance Ltd Not upheldInsuranceDRN-5483573 The complaint Mr R complains that Zurich Assurance Ltd has unreasonably declined a claim he made under his employer’s group income protection policy. To resolve his complaint, he wants Zurich to pay his claim and consider compensation for the upset it has caused him. What ha... (4 pages)View decision
