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 366763 results
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Decision Reference DRN-5241419
3 Feb 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5241419 Complaint Miss F has complained that HSBC UK Bank Plc (“HSBC”) didn’t act fairly and reasonably towards her in relation to her overdraft. She’s essentially said that HSBC unfairly continued applying charges to her overdraft even when it was clear that she was in financial d... (4 pages)View decision -
Decision Reference DRN-5229773
3 Feb 2025 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-5229773 Complaint Miss A has essentially complained that The Royal Bank of Scotland Plc (“RBS”) unfairly continued applying charges to her overdraft even when it was clear that she was in financial difficulty and failing to see a credit balance for an extended period. Background On... (4 pages)View decision -
Decision Reference DRN-5270356
3 Feb 2025 MBNA Limited Not upheldBanking and PaymentsDRN-5270356 Complaint Mr D has complained about a credit card MBNA Limited (“MBNA”) provided to him. He says that the credit card and the subsequent limit increases were unaffordable for him and they caused him ongoing financial difficulty as he had to borrow further in order to make hi... (5 pages)View decision -
Decision Reference DRN-5270781
3 Feb 2025 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5270781 Complaint Miss M complains that Clydesdale Financial Services Limited (trading as Barclays Partner Finance (“Barclays PF”)) unfairly entered into a conditional-sale agreement with her. She’s said Barclays PF accepted that it may not have correctly assessed her affordability ... (4 pages)View decision -
Decision Reference DRN-5291659
3 Feb 2025 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-5291659 Complaint Miss B has complained that Creation Consumer Finance Ltd (“Creation”) irresponsibly provided her with an unaffordable credit account. Background Miss B was initially provided with a credit account, with a credit limit of £1,000.00, in August 2019. This credit acco... (3 pages)View decision -
Decision Reference DRN-5149563
3 Feb 2025 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-5149563 Complaint Mr A has complained about the overdraft charges National Westminster Bank Plc (“NatWest”) applied to his account. Mr A is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr A’s account were unfair... (5 pages)View decision -
Decision Reference DRN-5278841
3 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5278841 Complaint Mr R has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says the credit card and limit increases should not have been provided to him as they were unaffordable. Background In February 2018, Vanquis provided Mr R with a credit c... (3 pages)View decision -
Decision Reference DRN-5290450
3 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5290450 Complaint Mr M has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided him with a credit card. He’s said that that this impacted on his position going forward and caused him ongoing difficulty. Background This complaint is about a credit card Vanquis ini... (3 pages)View decision -
Decision Reference DRN-5203667
2 Feb 2025 Accredited Insurance (Europe) Ltd Not upheldInsuranceDRN-5203667 The complaint A complaint has been brought on behalf of a limited company, which I’ll refer to as “J”, about Accredited Insurance (Europe) Ltd (“Accredited”). J says Accredited unfairly declined a claim under its motor insurance policy following an accident, and that it acte... (3 pages)View decision -
Decision Reference DRN-5301801
2 Feb 2025 Think Money Limited Not upheldBanking and PaymentsDRN-5301801 The complaint Ms C complains that Think Money Limited (“Think”) failed to refund transactions she didn’t recognise. What happened Ms C explained that whilst on a break from her work she checked her Think app on her phone and noticed a number of payments had left her account ... (5 pages)View decision
