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 164078 results
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Decision Reference DRN-5689504
14 Jul 2025 Admiral Financial Services Limited Not upheldConsumer CreditDRN-5689504 Complaint Miss F has complained about a loan Admiral Financial Services Limited (“Admiral FS”) provided to her. She says that the loan was unaffordable given her circumstances at the time. Background Admiral FS provided Miss F with a loan for £20,000.00 in November 2021. It... (3 pages)View decision -
Decision Reference DRN-5673671
14 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5673671 Complaint Miss A has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and the subsequent credit limit increases to her. She says that they were unaffordable and shouldn’t have been provided to her. Background Vanquis initially pr... (3 pages)View decision -
Decision Reference DRN-5498625
14 Jul 2025 Madison CF UK Limited Not upheldBanking and PaymentsDRN-5498625 Complaint Mr R has complained about a credit card Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In December 2021, 118 118 Money provide... (3 pages)View decision -
Decision Reference DRN-5643604
14 Jul 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5643604 Complaint Miss K complains that Moneybarn No.1 Ltd (trading as “Moneybarn”) unfairly entered into a conditional-sale agreement with her. She’s said the agreement was unaffordable for her. Background In September 2016, Moneybarn provided Miss K with finance for a used car. T... (3 pages)View decision -
Decision Reference DRN-5669879
14 Jul 2025 North Edinburgh and Castle Credit Union Limited Not upheldConsumer CreditDRN-5669879 Complaint Mrs G has complained about a loan North Edinburgh and Castle Credit Union Limited (trading as Castle Community Bank (“CCB”)) provided to her. She says that repaying this loan has caused her significant financial problems and having to borrow further money. Backgro... (3 pages)View decision -
Decision Reference DRN-5583592
14 Jul 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5583592 Complaint Miss H has complained about a credit card Capital One (Europe) plc (trading as “Capital One”) provided to her. She says the credit card was irresponsibly provided as it was unaffordable for her. Background Capital One provided Miss H with a credit card with a limi... (3 pages)View decision -
Decision Reference DRN-5423359
14 Jul 2025 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5423359 The complaint Mr R complained that Mitsubishi HC Capital UK PLC, trading as Novuna Personal Finance (“Mitsubishi”) irresponsibly granted him four loans, between December 2018 and March 2024, that he couldn’t afford to repay. What happened Mr R took out four loans with Mitsu... (4 pages)View decision -
Decision Reference DRN-5633544
13 Jul 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5633544 The complaint Mrs F complains that Barclays Bank UK PLC trading as Tesco Bank didn’t provide the expiry date of her balance transfer promotional rate on her statements. What happened Mrs F opened a credit card account with Tesco Bank on 27 February 2024. The account had a pr... (2 pages)View decision -
Decision Reference DRN-5626276
13 Jul 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5626276 The complaint Mr M complains that Capital One (Europe) plc removed his ability to use the mobile app which meant he was unable to make payment. This resulted in credit markers being placed on his credit file. What happened Mr M holds a credit card account with Capital One. M... (2 pages)View decision -
Decision Reference DRN-5555273
12 Jul 2025 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-5555273 The complaint Miss A complains that Shop Direct Finance Company Limited trading as Very (Very) acted unfairly in agreeing to a credit account she said she couldn’t afford. In bringing her complaint Miss A is represented by a third party. For ease of reading I will only refer... (3 pages)View decision
