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 162078 results
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Decision Reference DRN-5299714
10 Feb 2025 Madison CF UK Limited Not upheldBanking and PaymentsDRN-5299714 Complaint Mr N has complained about a credit card and subsequent limit increase Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says the credit card and limit increase were irresponsibly provided to him as they were unaffordable. Background 118 118 Mo... (3 pages)View decision -
Decision Reference DRN-5317881
10 Feb 2025 Santander UK Plc Not upheldConsumer CreditDRN-5317881 Complaint Mrs H has complained about a flexible loan which she says Santander UK Plc unfairly lent to her. This flexible loan was provided by a firm named Cahoot, which was a trading name of Abbey National Plc. Abbey National Plc went on to be acquired by Santander UK Plc a... (3 pages)View decision -
Decision Reference DRN-5289960
10 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5289960 Complaint Mrs M has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says the credit card was unaffordable and so shouldn’t have been provided to her. Background Vanquis provided Mrs M with a credit card with an initial limit of £1,000.00... (2 pages)View decision -
Decision Reference DRN-5262403
10 Feb 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5262403 Complaint Mrs F has complained about an overdraft Santander UK Plc (“Santander”) provided to her. She says the overdraft was irresponsibly provided and caused her continued financial difficulty. Background Santander provided Mrs F with a student overdraft in 2015. The overd... (5 pages)View decision -
Decision Reference DRN-5241426
10 Feb 2025 Fairscore Ltd Not upheldConsumer CreditDRN-5241426 Complaint Mr B has complained about a personal loan Fairscore Ltd (trading as “Updraft”) which he says was unfairly lent to him. He says he was lent to at a time when he already had significant debts. Background Updraft provided Mr B with a loan for £9,000.00 in July 2023. ... (3 pages)View decision -
Decision Reference DRN-5308684
10 Feb 2025 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-5308684 Complaint Mr S complains that BMW Financial Services (GB) Limited (trading as “Alphera” Financial Services) unfairly entered into a hire purchase agreement with him. He’s said that the interest made the monthly payments on this agreement unaffordable. Background In February... (4 pages)View decision -
Decision Reference DRN-5280973
10 Feb 2025 Black Horse Limited Not upheldConsumer CreditDRN-5280973 Complaint Mr G complains that Black Horse Limited (trading as “Black Horse”) unfairly entered into a hire-purchase agreement with him. He’s said that the finance was unaffordable and this resulted in him having to take out further borrowing in order to make his payments. Ba... (5 pages)View decision -
Decision Reference DRN-4975513
10 Feb 2025 Healthcare Finance Limited Not upheldConsumer CreditDRN-4975513 The complaint Miss M complains that Healthcare Finance Limited (“HFL”) failed to pay out on a claim she made to it about the failure of a supplier to deliver the dental treatment which she paid for with credit it provided. What happened In October 2023 Miss M entered into a ... (4 pages)View decision -
Decision Reference DRN-4753613
7 Feb 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-4753613 The complaint and background Miss M complains Santander UK Plc won’t reimburse £12,970 that she lost when she fell victim to an employment scam. Our investigator didn’t uphold the complaint. Although she found Santander ought to have enquired better the payments, she wasn’t... (2 pages)View decision -
Decision Reference DRN-5283936
7 Feb 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5283936 The complaint Miss D is complaining on behalf of her late father’s estate that Clydesdale Bank Plc trading as Virgin Money hasn’t paid funds claimed. What happened Mr D had an account with Clydesdale Bank in 1997. Sadly, he passed away in 2012. In 2024 Miss D contacted Virgi... (2 pages)View decision
