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 385798 results
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Decision Reference DRN-5537163
7 Jul 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5537163 The complaint Miss A complains Nationwide Building Society has unfairly recorded missed payments on her credit file. What happened In August 2023, Miss A contacted Nationwide as she was unable to repay an overdrawn amount held on her current account. An arrangement was agree... (4 pages)View decision -
Decision Reference DRN-5661949
7 Jul 2025 Lendable Ltd Not upheldBanking and PaymentsDRN-5661949 Complaint Miss C has complained about a credit card and subsequent limit increases that Lendable Ltd (trading as “Zable”) provided to her. She says that her credit limit increases were irresponsibly provided. Background Zable provided Miss C with a credit card, which had a ... (3 pages)View decision -
Decision Reference DRN-5642209
7 Jul 2025 The Funding Corporation Limited Not upheldConsumer CreditDRN-5642209 Complaint Mr C complains that The Funding Corporation (“TFC”) unfairly entered into a hire-purchase agreement with him. He’s said that the finance was unaffordable which resulted in ongoing difficulty and culminated in an existing creditor obtaining a County Court Judgment (... (5 pages)View decision -
Decision Reference DRN-5560351
7 Jul 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5560351 Complaint Ms R has complained Zopa Bank Limited (“Zopa”) irresponsibly provided a credit card to her. Background Zopa provided Ms R with a credit card with a limit of £300 in December 2020. One of our investigators reviewed what Ms R and Zopa had told us. And she thought Z... (2 pages)View decision -
Decision Reference DRN-5615587
7 Jul 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5615587 Complaint Miss F 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 and trapped her in debt for nearly a decade. Background Miss F originally applied... (5 pages)View decision -
Decision Reference DRN-5561129
7 Jul 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5561129 Complaint Mr W complains that Moneybarn No.1 Limited (trading as “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 January 2021... (3 pages)View decision -
Decision Reference DRN-5640369
7 Jul 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5640369 Complaint Mr H has complained about the overdraft charges Santander UK Plc (“Santander”) applied to his account. Mr H is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr H’s account were unfair as there w... (5 pages)View decision -
Decision Reference DRN-5663014
7 Jul 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5663014 Complaint Mr H has complained about the overdraft charges Nationwide Building Society (“Nationwide”) applied to his account. Mr H is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr H’s account were unfai... (5 pages)View decision -
Decision Reference DRN-5659083
7 Jul 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5659083 Complaint Mr S has complained about a credit card Capital One (Europe) plc (“Capital One”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In January 2021, Capital One provided Mr S with a... (3 pages)View decision -
Decision Reference DRN-5669575
7 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5669575 Complaint Miss T has complained about a credit card and subsequent limit increases that NewDay Ltd (trading as “Marbles”) provided to her. She says that the credit card as well as the limit increases were irresponsibly provided. Background Marbles initially provided Miss T ... (5 pages)View decision
