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 185689 results
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Decision Reference DRN-6292033
27 Apr 2026 MBNA Limited Not upheldConsumer CreditDRN-6292033 The complaint Mr R complains about the actions of MBNA Limited in relation to a loan that was connected to a scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide an overview of some of the key events here. In Jun... (2 pages)View decision -
Decision Reference DRN-6302445
27 Apr 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6302445 The complaint Miss A complains that HSBC UK Bank plc (HSBC) lent to her irresponsibly. What happened HSBC provided Miss A with a credit card in May 2022 with a credit limit of £9,000. In summary, Miss A considers that HSBC lent to her irresponsibly and, amongst other matte... (2 pages)View decision -
Decision Reference DRN-6124372
27 Apr 2026 Bank of London and The Middle East plc Not upheldBanking and PaymentsDRN-6124372 The complaint Mr G complains that Bank of London and The Middle East plc trading as Nomo Bank (Nomo) treated him unfairly when it blocked and closed his account. What happened The detailed background of this complaint is well known to both parties. So, I’ll only provide a b... (4 pages)View decision -
Decision Reference DRN-6318086
27 Apr 2026 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-6318086 The complaint Miss B complains Lowell Portfolio I Ltd sent her threatening letters about debts they’re already receiving payments for. She’s also complaining about their communication and the level of information they’ve asked for. What happened I issued a provisional decisi... (4 pages)View decision -
Decision Reference DRN-6294757
27 Apr 2026 Everyday Lending Limited Not upheldConsumer CreditDRN-6294757 The complaint Everyday Lending Limited trading as Evlo provided Mr S with a £6,000 loan in March 2023. Mr S says the credit was provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’t repeat them again here. The facts a... (2 pages)View decision -
Decision Reference DRN-6301861
27 Apr 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6301861 The complaint Mrs G has complained that Revolut Ltd failed to process chargeback requests she made in relation to a number of disputed transactions. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview... (3 pages)View decision -
Decision Reference DRN-6298647
27 Apr 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-6298647 The complaint Mr O complains that Santander UK Plc didn’t take adequate steps to protect him from a sophisticated job scam. He wants the money he lost refunded along with 8% interest and £300 compensation. Mr O is represented by a third party but for ease of reference I have... (3 pages)View decision -
Decision Reference DRN-6315705
27 Apr 2026 Plata Finance Limited Not upheldConsumer CreditDRN-6315705 Complaint Miss A has complained about a loan Plata Finance Limited (“Plata”) provided to her. She says the loan was unaffordable given her personal and financial circumstances and so shouldn’t have been provided. Background Plata provided Miss A with a loan for £5,000.00 in... (3 pages)View decision -
Decision Reference DRN-6298428
27 Apr 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6298428 Complaint Miss P has complained that Barclays Bank UK PLC (trading as “Barclaycard”) irresponsibly provided a credit card to her. She says that card was unaffordable and never been able to repay the balance in a sustainable way. Background Barclaycard accepted Miss P’s appl... (5 pages)View decision -
Decision Reference DRN-6277759
27 Apr 2026 Black Horse Limited Not upheldConsumer CreditDRN-6277759 Complaint Mr S complains that Black Horse Limited (“Black Horse”) unfairly entered into a hire- purchase agreement with him. He’s said that the finance was unaffordable at a time when he had a poor credit rating and was already in an ongoing det repayment plan. Background I... (4 pages)View decision