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-5801881
11 Feb 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-5801881 The complaint Zopa Bank Limited (‘Zopa’) provided Mrs V with two loans. • Loan 1 was started in January 2024. Mrs V borrowed £8,000 and she was due to make 60 monthly repayments of £202.81. • Loan 2 was started in July 2024. Mrs V borrowed £6,000 and she was due to make 48 ... (3 pages)View decision -
Decision Reference DRN-6138307
11 Feb 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-6138307 The complaint Miss J complains that Vanquis Bank Limited irresponsibly lent to her. What happened Miss J was approved for a Vanquis credit card in April 2020, with a £1,000 credit limit. The credit limit was increased in June 2021 (to £2,350), and in March 2023 (to £3,000). ... (4 pages)View decision -
Decision Reference DRN-6143544
11 Feb 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6143544 The complaint Mr B complains that Lloyds Bank PLC lent to him irresponsibly. What happened Mr B has an overdraft with Lloyds. He opened this with a limit of £250 in January 2019. He then successfully applied to increase the credit limit at various intervals between January ... (4 pages)View decision -
Decision Reference DRN-6033683
11 Feb 2026 Arval UK Limited Not upheldConsumer CreditDRN-6033683 The complaint Mr B complains that Arval UK Limited (Arval) overcharged him on a Hire Agreement he took out. He would like the amount he feels he was overcharged refunded. What happened The details of this complaint are well known to both parties so I won’t repeat them aga... (2 pages)View decision -
Decision Reference DRN-6130831
11 Feb 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-6130831 The complaint Miss B complains that Barclays Bank UK PLC trading as Tesco Bank irresponsibly lent to her. What happened Miss B was approved for a Tesco credit card in November 2022, with a £2,450 credit limit. The credit limit was increased to £4,450 in August 2023, and it w... (4 pages)View decision -
Decision Reference DRN-5913945
11 Feb 2026 Nationwide Building Society Not upheldMortgagesDRN-5913945 The complaint Mrs S complains that Nationwide Building Society declined her application to take on a mortgage in her sole name. What happened Mrs S has a mortgage in joint names with her now ex-husband. When they separated, Mrs S took on responsibility for paying the mortgag... (3 pages)View decision -
Decision Reference DRN-5970713
11 Feb 2026 Bamboo Limited Not upheldConsumer CreditThe complaint Bamboo Limited, trading as Bamboo (‘Bamboo’) provided Miss A with two loans – one in 2018 and another in 2019 – which she says were provided irresponsibly. What happened Bamboo provided Miss A with the first loan in September 2018. The loan was for £5,000 and was to be repaid... (2 pages)View decision -
Decision Reference DRN-6144612
11 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6144612 The complaint Mr O’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit... (13 pages)View decision -
Decision Reference DRN-6144786
11 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6144786 The complaint Mrs P’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Cred... (7 pages)View decision -
Decision Reference DRN-5966807
11 Feb 2026 Santander UK Plc UpheldBanking and PaymentsDRN-5966807 The complaint Miss W complains that Santander UK Plc (Santander) was irresponsible in granting her a personal current account overdraft, as it was unaffordable for her. She also complains that Santander allowed her to retain the overdraft when she was using it to gamble and ... (3 pages)View decision