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 179155 results
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Decision Reference DRN-6053028
26 Jan 2026 MBNA Limited Not upheldConsumer CreditDRN-6053028 The complaint Mr P complains MBNA Limited (MBNA) acted irresponsibly when it approved a loan for him. What happened Mr P says MBNA approved a loan of £15,000 for him in December 2024, at a time when he was struggling financially with large levels of external debt. Mr P says ... (2 pages)View decision -
Decision Reference DRN-6079647
26 Jan 2026 BMW Financial Services (GB) Limited Not upheldConsumer CreditDRN-6079647 The complaint Miss M has complained that a car she acquired using finance from BMW FINANCIAL SERVICES (GB) LIMITED trading as Alphera Financial Services wasn’t of satisfactory quality. What happened In January 2024, Miss M entered into a finance agreement with Alphera for a ... (2 pages)View decision -
Decision Reference DRN-6100566
26 Jan 2026 Oodle Financial Services Limited Not upheldConsumer CreditDRN-6100566 The complaint Mr O complains about a charge Oodle Financial Services Limited (Oodle) asked him to pay when he returned a car he had been financing through an agreement with them. What happened I issued a provisional decision on this complaint earlier this month. An extract ... (3 pages)View decision -
Decision Reference DRN-6086191
26 Jan 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6086191 Complaint Mr N has complained about the overdraft charges Lloyds Bank PLC (“Lloyds”) applied to his current account. He’s effectively said the charges applied to his account were excessive and unfair and as he had to borrow further to repay them, they led to ongoing difficul... (5 pages)View decision -
Decision Reference DRN-5891651
26 Jan 2026 Barclays Bank UK PLC Not upheldConsumer CreditDRN-5891651 Complaint Mrs H has complained about a personal loan which Barclays Bank UK PLC (then trading as “Tesco Bank”) provided to her. She’s said that the correct checks weren’t done and if they had been it would have been clear that the loan repayments were unaffordable, which cau... (6 pages)View decision -
Decision Reference DRN-5995296
26 Jan 2026 Lendable Ltd Not upheldBanking and PaymentsDRN-5995296 Complaint Miss S has complained about a credit card Lendable Ltd (trading as “Zable”) provided to her. She says the credit card was irresponsibly provided as insufficient checks were carried out and had such checks been carried out they would have shown the card was unafford... (3 pages)View decision -
Decision Reference DRN-6013559
26 Jan 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-6013559 Complaint Mr G has complained about a credit card Clydesdale Bank Plc (trading as “Virgin Money”) provided to him. He says he shouldn’t have been provided with this credit card as it was unaffordable for him. Background Virgin Money provided Mr G with a credit card with a l... (6 pages)View decision -
Decision Reference DRN-5985070
26 Jan 2026 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-5985070 Complaint Miss S has complained about a credit card AMEX Limited (“AMEX”) provided to her. She says that the card was irresponsibly provided to her. Background AMEX provided Miss S with a credit card with a limit of £10,000.00 in March 2023. The credit limit on the card was... (3 pages)View decision -
Decision Reference DRN-6052284
26 Jan 2026 Barclays Bank UK PLC Not upheldConsumer CreditDRN-6052284 Complaint Miss D has complained about a personal loan which Barclays Bank UK PLC (then trading as “Tesco Bank”) provided to her. She’s said that the loan was unaffordable and caused her ongoing financial stress. Background In April 2018, Tesco Bank provided Miss D with a lo... (4 pages)View decision -
Decision Reference DRN-5734352
26 Jan 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5734352 Complaint Ms O has complained about the overdraft charges National Westminster Bank Public Limited Company (“NatWest”) applied to her current account. She’s effectively said the charges applied to her account were unfair as she shouldn’t have been given the overdraft and thi... (6 pages)View decision