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 170994 results
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Decision Reference DRN-5673157
21 Jul 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5673157 The complaint Mr D complains Bank of Scotland plc trading as Halifax (‘Halifax’) misclassified transactions on his credit card account which led to the wrong charges being applied. Mr D wants his transactions reclassified and for an adjustment to be made to his account. He ... (3 pages)View decision -
Decision Reference DRN-5697377
21 Jul 2025 Barclays Bank UK PLC Not upheldMortgagesDRN-5697377 The complaint Mrs A complains that Barclays Bank UK PLC (Barclays) has not provided her with any financial support and assistance since she was made bankrupt in February 2014. What happened Mrs A took out a mortgage with Barclays in 2006. She was made bankrupt in February 20... (3 pages)View decision -
Decision Reference DRN-5703743
21 Jul 2025 Marks & Spencer Financial Services plc UpheldBanking and PaymentsDRN-5703743 The complaint Mr R’s complaint is that Marks & Spencer Financial Services Plc (M&S Bank) acted irresponsibly by provided him with a credit card which was unaffordable for him. What happened M&S Bank approved Mr R with a credit card with a limit of £5,000 in April... (5 pages)View decision -
Decision Reference DRN-5663395
21 Jul 2025 Healthcare Finance Limited UpheldConsumer CreditDRN-5663395 The complaint Mr T complains that Healthcare Finance Limited (“HFL”) failed to pay out on a claim he made to it about the failure of a supplier to deliver the dental treatment which he paid for with credit it provided. What happened In October 2022 Mr T entered into a 25-mon... (4 pages)View decision -
Decision Reference DRN-5512196
21 Jul 2025 MBNA Limited Not upheldBanking and PaymentsDRN-5512196 Complaint Miss M has complained that MBNA Limited (“MBNA”) irresponsibly provided a credit card to her. She says that the credit card was unaffordable and led to hardcore borrowing which created ongoing difficulty. Background In March 2017, MBNA provided Miss M with a credi... (6 pages)View decision -
Decision Reference DRN-5402674
21 Jul 2025 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5402674 Complaint Miss P has complained about a loan Oakbrook Finance Limited (trading as “Finio Loans”) provided to her. She says the loan was unaffordable and so shouldn’t have been provided. Background Finio Loans provided Miss P with a loan for £1,000.00 in May 2024. This loan ... (2 pages)View decision -
Decision Reference DRN-5682144
21 Jul 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-5682144 Complaint Mr M says that TSB Bank plc (“TSB”) unfairly provided him with overdrafts and continued to allow him to use them even when it was evident he was unable to repay to what he owed. Background When it investigated Mr M’s complaint, TSB accepted that it shouldn’t have ... (3 pages)View decision -
Decision Reference DRN-5682252
21 Jul 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5682252 Complaint Mr J has complained about the overdraft charges HSBC UK Bank Plc (“HSBC”) applied to his account. Mr J is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr J’s account were unfair as there was a ... (6 pages)View decision -
Decision Reference DRN-5630758
21 Jul 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5630758 Complaint Mr and Mrs C have complained about the overdraft charges Santander UK Plc (“Santander”) applied to their current account. Mr and Mrs C are being represented, by the (“representative”), in their complaint. The representative has said the charges applied to Mr and ... (5 pages)View decision -
Decision Reference DRN-5598199
21 Jul 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5598199 Complaint Mr G complains that Oodle Financial Services Limited (trading as “Oodle” Car Finance) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In March 2021, Oodle provided Mr G w... (3 pages)View decision
