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-5540139
28 Jul 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5540139 The complaint Miss B complains that Barclays Bank UK PLC (‘Barclays’) won’t refund the money she lost after falling victim to a scam. What happened Miss B was approached by someone online, I’ll refer to this person as C. C said they worked for the armed forces. C built a re... (4 pages)View decision -
Decision Reference DRN-5680120
28 Jul 2025 Lendable Ltd Not upheldConsumer CreditDRN-5680120 Complaint Ms I has complained about a loan Lendable Ltd (“Lendable”) provided to her. She says that the loan was unaffordable given her circumstances at the time. Background Lendable provided Ms I with a loan for £10,000.00 in January 2022. It had an APR of 10.55% and a 60-... (3 pages)View decision -
Decision Reference DRN-5643006
28 Jul 2025 Marks & Spencer Financial Services plc Not upheldBanking and PaymentsDRN-5643006 Complaint Mr S has complained about a credit card Marks & Spencer Financial Services Plc (trading as “M&S Bank”) 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 August 2021, M&am... (3 pages)View decision -
Decision Reference DRN-5713972
28 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5713972 Complaint Mr H has complained about credit cards and credit limit increases which NewDay Ltd (“NewDay”) provided to him. He says the credit cards as well as the limit increases were irresponsibly provided. Background NewDay provided Mr H with a total of three credit cards a... (6 pages)View decision -
Decision Reference DRN-5501922
28 Jul 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5501922 Complaint Mr B 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 June 2022, Capital One provided Mr B with a cr... (3 pages)View decision -
Decision Reference DRN-5543013
28 Jul 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5543013 Complaint Mr L complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable given his circumstances at the time and so he shouldn’t have been lent ... (3 pages)View decision -
Decision Reference DRN-5704177
28 Jul 2025 Inclusive Finance Limited UpheldConsumer CreditDRN-5704177 Complaint Mrs G has complained about a loan Inclusive Finance Limited (trading as “Credit Spring”) provided to her. She says the loan was unaffordable given her existing debts and if Credit Spring had carried out proportionate checks it would have seen this. Background Cred... (3 pages)View decision -
Decision Reference DRN-5631983
28 Jul 2025 Avantcredit Of Uk, Llc Not upheldConsumer CreditDRN-5631983 Complaint Mr S has complained about a loan AvantCredit of UK, LLC (trading as “Avant Credit”) provided to him. He says he shouldn’t have been lent to as the loan was unaffordable. Background Avant Credit provided Mr S with a loan for £3,000.00 in September 2018. This loan w... (3 pages)View decision -
Decision Reference DRN-5709511
28 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5709511 Complaint Mrs H has complained that NewDay Ltd (“NewDay”) irresponsibly provided her with credit card accounts. She says that she should never have been provided with two credit cards or such large credit limits. Background Mrs H had two credit card accounts with NewDay. Th... (5 pages)View decision -
Decision Reference DRN-5566110
28 Jul 2025 Black Horse Limited Not upheldConsumer CreditDRN-5566110 Complaint Mr M complains that Black Horse Limited (“Black Horse”) unfairly entered into a hire- purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable and so he shouldn’t have been lent to. Background In January 2018, Black Hors... (3 pages)View decision
