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 5118 results
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Decision Reference DRN5370596
11 Apr 2018 Barclays Bank Plc Not upheldBanking and creditMr G complains that Barclays Bank Plc, trading as Barclaycard, acted irresponsibly by allowing him to open a credit card account, and then by increasing his credit limit.backgroundMr G applied for the credit card account in 2011. He says he had a poor credit histor... (2 pages)View decision -
Decision Reference DRN9127287
11 Jul 2016 Barclays Bank Plc Not upheldBanking and creditMr W complains about three loans taken out with Barclays Bank Plc. He believes insufficient checks were carried out when he applied for the loans and had appropriate checks been completed, they wouldn’t have been agreed. Mr W is represented in his complaint by his fat... (3 pages)View decision -
Decision Reference DRN-5501889
1 May 2025 First Response Finance Ltd Not upheldConsumer CreditDRN-5501889 The complaint Mr S, who is represented by a third party, complains that First Response Finance Limited (“First Response”) irresponsibly agreed to give him finance he says he couldn’t afford to repay. What happened In March 2018, Mr S acquired a used car financed by a fixed ... (3 pages)View decision -
Decision Reference DRN3711504
22 Oct 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMr C complains about The Royal Bank of Scotland Plc, trading as NatWest (“NatWest”). He says that the business lent to him irresponsibly in two personal loans and an overdraft in 2014. He wants NatWest to refund the charges and interest he paid, and for statutory inter... (3 pages)View decision -
Decision Reference DRN-3293575
18 Mar 2022 Santander UK Plc UpheldConsumer CreditDRN-3293575 The complaint Mr M complains about finance he took out with Santander UK Plc (“Santander”). What happened I set out what happened leading up to and in the course of Mr M’s complaint in my provisional decision, which I issued earlier this year. To make this decision easier to re... (7 pages)View decision -
Decision Reference DRN-3653601
24 Oct 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3653601 The complaint Mr W complains that Everyday Lending Limited trading as Everyday Loans (Everyday) irresponsibly lent him money on a high cost loan that he couldn’t afford to repay. What happened Everyday provided a loan to Mr W, on 12 March 2018, for £1,750, repayable over 12 mon... (4 pages)View decision -
Decision Reference DRN-4418817
7 Dec 2023 Revolut Ltd Not upheldBanking and PaymentsDRN-4418817 The complaint Mr T is unhappy that Revolut Ltd took a long time to send him funds that had been paid into a closed account. He’s also unhappy that it deducted a sum from the total balance and sent it to someone else. What happened Mr T’s account was restricted in January 2023 w... (2 pages)View decision -
Decision Reference DRN6256801
30 May 2018 Everyday Loans Limited UpheldBanking and creditMr L took out a loan in January 2017 with Everyday Loans Limited. He complains that Everyday acted irresponsibly, when it approved this loan. He says it incorrectly assessed that he could afford the loan repayments. He wants Everyday to refund all interest and oth... (2 pages)View decision -
Decision Reference DRN-5655725
23 Jul 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5655725 The complaint Mr D complained because Barclays Bank UK PLC refused to refund him for transactions he said he didn’t make. What happened Mr D opened a Barclays account on 30 October 2024. From 25 November onwards, there was a series of gambling transactions. On 28 November, ... (5 pages)View decision -
Decision Reference DRN9611230
29 Sep 2016 Barclays Bank Plc Not upheldBanking and creditMr I had a student account with Barclays Bank Plc. He complains that it has refused to refund a number of transactions he didn’t make.backgroundMr I disputes a number of payments that were made to a gambling business between 13 April 2016 and 3 May 2016 using his ... (2 pages)View decision
