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
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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 -
Decision Reference DRN-5500687
27 Jul 2025 Red Sands Insurance Company (Europe) Limited Not upheldInsuranceDRN-5500687 The complaint Ms C complains that Red Sands Insurance Company (Europe) Limited (“Red Sands”) unfairly declined a claim she made under her insurance backed guarantee policy. What happened In September 2023, Ms C had a new bay window fitted at her property. In December 2023, s... (3 pages)View decision -
Decision Reference DRN-5608974
26 Jul 2025 Aviva Life & Pensions UK Limited Not upheldInvestmentsDRN-5608974 The complaint Mr C complains that Aviva Life & Pensions UK Limited won’t give him information regarding a third party who contacted them about an investment that he is the trustee for. What happened Mr C is the sole trustee of a portfolio bond held in a trust with Aviva... (3 pages)View decision
