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 157456 results
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Decision Reference DRN-5373001
10 Mar 2025 Next Retail Limited Not upheldConsumer CreditDRN-5373001 Complaint Miss D has complained that Next Retail Limited (“Next”) irresponsibly provided her with a catalogue shopping account and credit limit increases. She has said that this credit was unaffordable for her and it resulted in her experiencing ongoing difficulties. Backg... (5 pages)View decision -
Decision Reference DRN-5375437
10 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5375437 Complaint Mrs T has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that all of this credit was unaffordable and caused her continued financial difficulty as the repayments r... (6 pages)View decision -
Decision Reference DRN-5347495
10 Mar 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5347495 Complaint Mr S complains that Moneybarn No.1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable for him. Background In June 2019, Mone... (3 pages)View decision -
Decision Reference DRN-5347549
10 Mar 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5347549 Complaint Mr A has complained about a credit card Capital One (Europe) plc (“Capital One”) provided to him. He says the credit card was irresponsibly provided to him as it was unaffordable. He’s also said that he was allowed to continue using the card even when his account h... (3 pages)View decision -
Decision Reference DRN-5349907
10 Mar 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5349907 Complaint Mr M has complained about the overdraft charges Santander UK Plc (“Santander”) applied to his account. Mr M is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr M’s account were unfair as there w... (5 pages)View decision -
Decision Reference DRN-5349222
10 Mar 2025 Tesco Personal Finance Limited Not upheldBanking and PaymentsDRN-5349222 Complaint Mr M has complained about credit cards Tesco Personal Finance Limited (trading as “Tesco Bank”) provided to him. He says that the credit cards and limit increase were unaffordable for him and they caused him ongoing financial difficulty and placed him in a relentle... (5 pages)View decision -
Decision Reference DRN-5331292
9 Mar 2025 HSBC UK Bank Plc Not upheldConsumer CreditDRN-5331292 The complaint Mr O complains that HSBC UK Bank Plc issued a Default Notice against his personal loan whilst he was in a payment break. What happened In March 2023 Mr O opened a personal loan account with HSBC. In May 2024 Mr O contacted HSBC to advise that his personal circu... (2 pages)View decision -
Decision Reference DRN-5382133
8 Mar 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5382133 The complaint Mr E is a customer of Wise Payments Limited (“Wise”). Mr E’s complaint is about Wise’s refusal to reimburse him money he says he lost due to a scam. What happened The circumstances of this complaint are well known to all parties concerned, so I will not repeat... (5 pages)View decision -
Decision Reference DRN-5328505
8 Mar 2025 Amplifi Capital (U.K.) Limited Not upheldConsumer CreditDRN-5328505 The complaint Mr R complains about the amount that he’s been charged by Amplifi Capital (U.K.) Limited, trading as My Community Finance, to settle a loan agreement. What happened My Community Finance lent £15,000 to Mr R under a fixed sum loan agreement that he entered into ... (3 pages)View decision -
Decision Reference DRN-5274058
8 Mar 2025 The Co-operative Bank Plc UpheldConsumer CreditDRN-5274058 The complaint Mr H complains about a search of his credit file that was made by The Co-operative Bank plc. What happened Mr H has a bank account with Co-op Bank. He received a notification from a credit reference agency that a new “identification generic check search” by Co-... (3 pages)View decision
