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 4727 results
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Decision Reference DRN1437633
10 Mar 2018 Vanquis Bank Limited Not upheldBanking and creditMrs P complains that Vanquis Bank Limited didn’t do enough to limit her spending on her credit card account when she was experiencing difficulties.backgroundMrs P suffers from ill health and she says that, alongside some other difficult circumstances, this led to her sta... (2 pages)View decision -
Decision Reference DRN9034148
27 Sep 2018 Barclays Bank Plc Not upheldBanking and creditMr P says it was irresponsible of Barclays Bank Plc (trading as Barclaycard) to increase his credit limit.backgroundMr P took out a Barclaycard in 2011. Barclays decreased the credit limit in 2012 after Mr P had difficulty staying within it and making the necessar... (3 pages)View decision -
Decision Reference DRN2975515
6 Jun 2017 Casheuronet UK LLC UpheldBanking and creditMr V has complained CashEuroNet UK LLC (trading as QuickQuid) lent him money when it shouldn’t have.backgroundQuickQuid agreed 26 short-term loans for Mr V between August 2011 and June 2016. These loans were frequently increased (“topped up”) during their terms, meaning ... (7 pages)View decision -
Decision Reference DRN-4857337
1 Jul 2024 Nationwide Building Society UpheldBanking and PaymentsDRN-4857337 The complaint Miss J complains that Nationwide Building Society was irresponsible when it offered her two credit card accounts. What happened Nationwide opened a credit card account for Miss J on 14 February 2019 with a credit limit of £750. It increased her credit limit to £1,... (5 pages)View decision -
Decision Reference DRN-3576016
4 Nov 2022 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3576016 The complaint Mr B complains about Moneybarn No.1 Limited trading as Moneybarn’s (“Moneybarn”) decision to lend him. What happened Mr B entered into a conditional sale agreement with Moneybarn in June 2019 to acquire a used car. The car cost £7,125 and under the agreement, Mr B... (4 pages)View decision -
Decision Reference DRN-4856627
18 Jun 2024 Bank of Ireland (UK) Plc Not upheldConsumer CreditDRN-4856627 The complaint Mrs W says Bank of Ireland (UK) Plc (BOI) irresponsibly lent to her. What happened Mrs W took out a loan for £21,000 over 84 months on 11 June 2021. The APR was 18.9% and the monthly repayments were £434.46. Mrs W says BOI did not take enough time to check her fin... (4 pages)View decision -
Decision Reference DRN-3806538
25 Nov 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3806538 The complaint Miss W complains that National Westminster Bank Plc (“NatWest”) overdraft charges were unfair and causing her financial difficulty. What happened Miss W held an account with an overdraft facility with a £50 limit. Miss W complained to NatWest that its overdraft ch... (2 pages)View decision -
Decision Reference DRN5304241
20 Apr 2020 Bank of Scotland Plc Not upheldBanking and creditMr M has complained that Bank of Scotland Plc (trading as Halifax) won’t refund transactions he says he didn’t make or otherwise authorise.what happenedIn June 2018, Mr M opened an account with Halifax, but didn’t use it.In January 2019, Mr M received batches of cash payments into his acco... (3 pages)View decision -
Decision Reference DRN-2834840
28 Jan 2022 TFS Loans Limited UpheldConsumer CreditDRN-2834840 The complaint Mr P complains TFS Loans Limited irresponsibly lent to him. What happened TFS approved Mr P for a £7,500 loan in September 2014. The term of the loan was 48 months; with repayments of approximately £290. Mr P says the loan was irresponsibly lent to him by TFS as i... (3 pages)View decision -
Decision Reference DRN-5305361
28 Feb 2025 Everyday Lending Limited Not upheldConsumer CreditDRN-5305361 The complaint Mr H complains that Everyday Lending Limited trading as Everyday Loans (Everyday) acted irresponsibly in agreeing to lend to him. What happened In February 2024 Mr H entered into a Fixed Sum Loan Agreement with Everyday for £6,500. He said the lending was for d... (3 pages)View decision
