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-5698660
19 Jan 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5698660 Complaint Miss M has complained that HSBC UK Bank Plc (trading as “HSBC”) irresponsibly provided a credit card to her. She says that the credit card was unaffordable and created ongoing difficulty as she ended up in persistent debt. Background In August 2016, HSBC provided ... (5 pages)View decision -
Decision Reference DRN-6056993
19 Jan 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6056993 Complaint Mr B has complained about a credit card HSBC UK Bank Plc (“HSBC”) provided to him. He says that the credit card was unaffordable for him and caused him ongoing financial difficulty. Background In November 2011, HSBC provided Mr B with a credit card which looks to ... (5 pages)View decision -
Decision Reference DRN-5935387
19 Jan 2026 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5935387 Complaint Mr G has complained about a loan Oakbrook Finance Limited (trading as “Likely Loans”) provided to him. He says he shouldn’t have been lent to as the loan was unaffordable as he had just completed an individual voluntary arrangement (“IVA”). Background Likely Loans... (3 pages)View decision -
Decision Reference DRN-5822759
19 Jan 2026 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5822759 Complaint Miss T 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-6073374
19 Jan 2026 Fairscore Ltd UpheldConsumer CreditDRN-6073374 Complaint Miss P has complained that Fairscore Ltd (trading as “Updraft”) provided her with an unaffordable loan bearing in mind her existing debts. Background Updraft provided Miss P with a loan for £7,000.00 in November 2024. This loan had an APR of 18.9% and a 60-month t... (5 pages)View decision -
Decision Reference DRN-5765069
19 Jan 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5765069 Complaint Miss G has complained about the overdraft charges Bank of Scotland plc (trading as “Halifax”) applied to her current account. She’s effectively said the charges applied to her account were unfair as she was effectively living in her overdraft. Background Miss G ha... (6 pages)View decision -
Decision Reference DRN-5683022
19 Jan 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5683022 Complaint Mr E has complained about a credit card and subsequent credit limit increase Tesco Bank (Europe) plc (“Tesco Bank”) provided to him. He says that the credit card and the subsequent limit increase shouldn’t have been provided as they were unaffordable for him and th... (5 pages)View decision -
Decision Reference DRN-5867642
18 Jan 2026 Nationwide Building Society UpheldBanking and PaymentsDRN-5867642 The complaint Mr B complains Nationwide Building Society hasn’t adequately compensated him for the loss he incurred when he fell victim to a scam. What happened Mr B was approached about a property development investment opportunity with a company, “C”, and decided to procee... (2 pages)View decision -
Decision Reference DRN-5861195
16 Jan 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5861195 The complaint Mrs H has complained Barclays Bank UK PLC won’t refund several payments she says she made and lost to a scam. Mrs H is represented, but for ease I will just refer to Mrs H throughout. What happened The background to this complaint is well known to both partie... (4 pages)View decision -
Decision Reference DRN-5774033
16 Jan 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5774033 The complaint Mr N complains that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY (‘NatWest’) won’t refund the money he lost to a job scam. What happened The background is known to both parties, so I won’t repeat all the details. In summary, in April 2025, Mr N was contacte... (3 pages)View decision