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 179851 results
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Decision Reference DRN-6061340
16 Feb 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldConsumer CreditDRN-6061340 Complaint Miss C has complained about a personal loan which National Westminster Bank Public Limited Company (“NatWest”) provided to her. She’s said that the loan was unaffordable and caused her ongoing financial stress. Background In June 2018, NatWest provided Miss C with... (5 pages)View decision -
Decision Reference DRN-5859633
16 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-5859633 Complaint Miss L has complained that NewDay Ltd (trading as “Aqua”) irresponsibly provided a credit card as well and the subsequent credit limit increases to her. She says that they were unaffordable and became unmanageable. Background Aqua initially provided Miss L with a ... (5 pages)View decision -
Decision Reference DRN-6127737
16 Feb 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6127737 Complaint Miss C has complained about a credit card and personal loans which she says Lloyds Bank PLC (“Lloyds”) unfairly provided to her. She says the credit card and loans were unaffordable and so shouldn’t have been provided. Background Lloyds provided Miss C with a cred... (6 pages)View decision -
Decision Reference DRN-6139587
16 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6139587 Complaint Miss M has complained that NewDay Ltd (trading as “Aqua”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that the credit card and limit increases were unaffordable and caused her continued financial difficulty as... (5 pages)View decision -
Decision Reference DRN-5896736
16 Feb 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-5896736 Complaint Miss H has complained about the overdraft charges Santander UK Plc (“Santander”) applied to her current account. She’s effectively said the charges applied to her account were unfair and trapped her in debt. Background Miss H has had a current account with Santand... (5 pages)View decision -
Decision Reference DRN-6054516
16 Feb 2026 BMW Financial Services (GB) Limited Not upheldConsumer CreditDRN-6054516 Complaint Mr J complains that BMW Financial Services (GB) Limited (“BMW FS”) unfairly entered into a hire purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In May 2021, BMW FS provided Mr J with finance for a us... (3 pages)View decision -
Decision Reference DRN-6062624
16 Feb 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6062624 Complaint Mr T has complained about the overdraft charges HSBC UK Bank Plc (“HSBC”) applied to his current account. He’s effectively said that the overdraft was unaffordable and so he shouldn’t have been provided with it. Therefore, the charges applied to his account were un... (5 pages)View decision -
Decision Reference DRN-6125057
16 Feb 2026 Fairscore Ltd Not upheldConsumer CreditDRN-6125057 Complaint Mr R has complained about a loan Fairscore Ltd (“Updraft”) provided to him. He says that his existing debts meant that it was irresponsible to lend to him. Background Updraft provided Mr R with a loan for £5,500.00 in August 2022. This loan had an APR of 22.07%, t... (3 pages)View decision -
Decision Reference DRN-5877545
16 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5877545 Complaint Mr J has complained about credit cards Barclays Bank UK PLC (then trading as “Tesco Bank”) provided to him. He says that the credit cards shouldn’t have been provided as they were unaffordable for him and this led to him accruing significant debts that he was unabl... (6 pages)View decision -
Decision Reference DRN-5889484
16 Feb 2026 PayPal UK Ltd Not upheldBanking and PaymentsDRN-5889484 Complaint Miss M has complained that PayPal UK Ltd (“PayPal”) irresponsibly provided a credit account to her. She says that the credit account and should only have been offered for short term lending. Background In August 2018, PayPal provided Miss M with a credit account w... (5 pages)View decision