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 370903 results
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Decision Reference DRN-5042872
10 Mar 2025 Tesco Personal Finance Limited Not upheldBanking and PaymentsDRN-5042872 The complaint Mr D complains about a credit card agreement he has with Tesco Personal Finance Limited trading as Tesco Bank. More specifically, the way that Tesco Bank dealt with a claim he submitted under section 75 (s.75) of the Consumer Credit Act (CCA). Tesco Bank did no... (3 pages)View decision -
Decision Reference DRN-5382297
10 Mar 2025 Raylo Group Limited UpheldConsumer CreditDRN-5382297 The complaint Mr W is unhappy Raylo Group Limited returned his mobile phone device, financed through a hire agreement, to an incorrect address. What happened The agreement In February 2023, Mr W entered into a hire agreement for a mobile phone device. The agreement was for... (5 pages)View decision -
Decision Reference DRN-5331507
10 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5331507 The complaint Ms S complains about a credit card agreement she has with Vanquis Bank Limited. More specifically, the way that Vanquis Bank Limited dealt with a claim she submitted under section 75 (s.75) of the Consumer Credit Act (CCA). Vanquis Bank Limited did not uphold h... (3 pages)View decision -
Decision Reference DRN-5321627
10 Mar 2025 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-5321627 Complaint Mr G says that National Westminster Bank Plc (“NatWest”) unfairly provided him with an overdraft with a limit of £15,000.00 after it had declined a loan application from him. Background In April 2015, Mr G successfully applied for an overdraft which had a limit of... (3 pages)View decision -
Decision Reference DRN-5378167
10 Mar 2025 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-5378167 Complaint Mr D has complained that The Royal Bank of Scotland Plc (“RBS”) unfairly continued applying charges to his overdraft even when it was clear that he was in financial difficulty and failing to see a credit balance for an extended period. Background One of our invest... (3 pages)View decision -
Decision Reference DRN-5338556
10 Mar 2025 Startline Motor Finance Limited Not upheldConsumer CreditDRN-5338556 Complaint Mr C complains that Startline Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said that the finance was unaffordable which resulted in him experiencing ongoing struggles going forward. Background In January 2017, SMF p... (4 pages)View decision -
Decision Reference DRN-5373001
10 Mar 2025 Next Retail Limited Not upheldConsumer CreditDRN-5373001 Complaint Miss D has complained that Next Retail Limited (“Next”) irresponsibly provided her with a catalogue shopping account and credit limit increases. She has said that this credit was unaffordable for her and it resulted in her experiencing ongoing difficulties. Backg... (5 pages)View decision -
Decision Reference DRN-5375437
10 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5375437 Complaint Mrs T 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... (6 pages)View decision -
Decision Reference DRN-5347495
10 Mar 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5347495 Complaint Mr S 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 for him. Background In June 2019, Mone... (3 pages)View decision -
Decision Reference DRN-5347549
10 Mar 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5347549 Complaint Mr A has complained about a credit card Capital One (Europe) plc (“Capital One”) provided to him. He says the credit card was irresponsibly provided to him as it was unaffordable. He’s also said that he was allowed to continue using the card even when his account h... (3 pages)View decision
