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 171073 results
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Decision Reference DRN-5858820
27 Oct 2025 BMW Financial Services (GB) Limited Not upheldConsumer CreditDRN-5858820 Complaint Mr D 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 D with finance for a us... (3 pages)View decision -
Decision Reference DRN-5842364
27 Oct 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5842364 Complaint Miss A 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 t... (6 pages)View decision -
Decision Reference DRN-5651742
27 Oct 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5651742 Complaint Miss C complains that Oodle Financial Services Limited (trading as “Oodle” Car Finance) unfairly entered into a hire-purchase agreement with her. She’s said that it wasn’t properly checked whether she could make the repayments to this agreement, which were unafford... (3 pages)View decision -
Decision Reference DRN-5462959
27 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5462959 Complaint Mr R has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says that the credit card and the subsequent limit increase were unaffordable for him and this resulted in ongoing difficulties. Background Vanquis provided Mr R with a cr... (4 pages)View decision -
Decision Reference DRN-5903250
27 Oct 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5903250 Complaint Ms A has complained about the overdraft charges Bank of Scotland Plc (trading as “Halifax”) applied to her current account. Ms A is being represented, by the (“representative”), in her complaint. The representative has said the charges applied to Ms A’s account we... (4 pages)View decision -
Decision Reference DRN-5868169
27 Oct 2025 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-5868169 Complaint Mr G complains that Moneybarn No.1 Limited (trading as “Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the agreement was unaffordable and that this created ongoing difficulty as he ended up missing payments to priority credi... (4 pages)View decision -
Decision Reference DRN-5857535
27 Oct 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5857535 Complaint Miss C 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 as she shouldn’t have been given the overdraft and this caused ongoing financial d... (6 pages)View decision -
Decision Reference DRN-5709726
27 Oct 2025 G R Finance Limited Not upheldConsumer CreditDRN-5709726 Complaint Miss D has complained about home collected credit loans she took out with G R Finance Limited (“G R Finance”). She says G R Finance should not have provided her with her loans as they were unaffordable for her and were provided in circumstances where she had previ... (4 pages)View decision -
Decision Reference DRN-5866519
26 Oct 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5866519 THE COMPLAINT Mr B complains that Barclays Bank UK PLC (“Barclays”) will not reimburse him money he says he lost when he fell victim to a scam. Mr B is represented by CEL Solicitors in this matter. However, where appropriate, I will refer to Mr B solely in this decision fo... (3 pages)View decision -
Decision Reference DRN-5707504
25 Oct 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5707504 The complaint Miss M complains that Santander UK Plc won’t refund the money she lost to a job scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key events here. Miss M was sear... (5 pages)View decision
