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
-
Decision Reference DRN-5979054
16 Feb 2026 MBNA Limited Not upheldBanking and PaymentsDRN-5979054 Complaint Mr C has complained about credit cards MBNA Limited (“MBNA”) provided to him. He says that the credit cards shouldn’t have been provided as they were unaffordable for him and this caused ongoing financial difficulty. Background This complaint is about three separa... (5 pages)View decision -
Decision Reference DRN-6133488
16 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6133488 Complaint Mrs T has complained that Barclays Bank UK PLC (then trading as “Tesco Bank”) irresponsibly provided a credit card to her. She says that card was unaffordable and has led to ongoing difficulty. Background In September 2018, Tesco Bank provided Mrs T with a credit ... (5 pages)View decision -
Decision Reference DRN-6092830
16 Feb 2026 Lendable Ltd Not upheldConsumer CreditDRN-6092830 Complaint Miss S has complained about a loan Lendable Ltd (“Lendable”) provided to her. She says the loan was unaffordable bearing in mind her existing debt and so shouldn’t have been provided to her. Background Lendable provided Miss S with a loan for £2,000.00 in July 20... (3 pages)View decision -
Decision Reference DRN-6095939
16 Feb 2026 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-6095939 Complaint Miss D has complained that Capital One Europe plc (“Capital One”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that the credit card and limit increases were unaffordable and caused her continued financial diffi... (5 pages)View decision -
Decision Reference DRN-6061340
16 Feb 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldConsumer CreditDRN-6061340 Complaint Miss C has complained about a personal loan which National Westminster Bank Public Limited Company (“NatWest”) provided to her. She’s said that the loan was unaffordable and caused her ongoing financial stress. Background In June 2018, NatWest provided Miss C with... (5 pages)View decision -
Decision Reference DRN-5859633
16 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-5859633 Complaint Miss L has complained that NewDay Ltd (trading as “Aqua”) irresponsibly provided a credit card as well and the subsequent credit limit increases to her. She says that they were unaffordable and became unmanageable. Background Aqua initially provided Miss L with a ... (5 pages)View decision -
Decision Reference DRN-6127737
16 Feb 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6127737 Complaint Miss C has complained about a credit card and personal loans which she says Lloyds Bank PLC (“Lloyds”) unfairly provided to her. She says the credit card and loans were unaffordable and so shouldn’t have been provided. Background Lloyds provided Miss C with a cred... (6 pages)View decision -
Decision Reference DRN-6139587
16 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6139587 Complaint Miss M has complained that NewDay Ltd (trading as “Aqua”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that the credit card and limit increases were unaffordable and caused her continued financial difficulty as... (5 pages)View decision -
Decision Reference DRN-5896736
16 Feb 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-5896736 Complaint Miss H has complained about the overdraft charges Santander UK Plc (“Santander”) applied to her current account. She’s effectively said the charges applied to her account were unfair and trapped her in debt. Background Miss H has had a current account with Santand... (5 pages)View decision -
Decision Reference DRN-6054516
16 Feb 2026 BMW Financial Services (GB) Limited Not upheldConsumer CreditDRN-6054516 Complaint Mr J complains that BMW Financial Services (GB) Limited (“BMW FS”) unfairly entered into a hire purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In May 2021, BMW FS provided Mr J with finance for a us... (3 pages)View decision