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 5520 results
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Decision Reference DRN7532560
15 Apr 2019 PDL Finance Limited UpheldBanking and creditMr B complains that PDL Finance Limited, trading as Mr Lender, gave him loans that he couldn’t afford to repay.backgroundMr B took out eight loans with Mr Lender between March and October 2014, as follows:loan number date taken amount borrowed date repaid112 March 2014 ... (3 pages)View decision -
Decision Reference DRN-4341832
3 Oct 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4341832 The complaint Mr T complains that Barclays Bank UK PLC didn’t take adequate steps to block his gambling transactions. What happened Mr T says he’s a compulsive gambler and has lost around £500 000 over the last few years. Mr T set up an account with Barclays and within a short ... (2 pages)View decision -
Decision Reference DRN-5013861
26 Sep 2024 ONMO Limited Not upheldBanking and PaymentsDRN-5013861 The complaint Mr H complains that ONMO Limited shouldn‘t have accepted his application for a credit card account. What happened Mr H applied for a credit card account with ONMO in May 2023. His application was accepted and he was given a credit card with a £1,500 credit limi... (3 pages)View decision -
Decision Reference DRN-4351359
2 Oct 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-4351359 The complaint Miss S has complained that Santander UK Plc acted irresponsibly when it provided her with a credit card in September 2022. What happened Miss S applied for a credit card with Santander in September 2022. At that time, she said she had a history of compulsive spend... (3 pages)View decision -
Decision Reference DRN-1651728
16 Nov 2020 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1651728 The complaint Mr M has complained that The Royal Bank of Scotland Plc (RBS) didn’t stop a succession of payments to a gambling website. What happened Mr M said some family members made multiple payments, totalling £1159, to a gambling website in one evening. They were made from... (2 pages)View decision -
Decision Reference DRN4131780
15 Jan 2018 Uncle Buck Finance LLP UpheldBanking and creditMr D complains that Uncle Buck Finance LLP gave him unaffordable payday loans.backgroundMr D had six loans from Uncle Buck between February and November 2015. He said he was borrowing increasing amounts to cover previous loans and these made his financial situation wo... (2 pages)View decision -
Decision Reference DRN-5706948
4 Aug 2025 UK Credit Limited Not upheldConsumer CreditDRN-5706948 Complaint Mr K has complained that UK Credit Limited (“UK Credit”) unfairly accepted him as a guarantor on a loan that it provided to a borrower who was known to him. He says he wasn’t in a position to be able to afford to make the repayments to the loan in the event he had ... (3 pages)View decision -
Decision Reference DRN0129877
8 May 2018 Avantcredit Of Uk, Llc Not upheldBanking and creditMr M complains that AvantCredit of UK, LLC (Avant) lent irresponsibly and didn’t undertake proper affordability checks.backgroundMr M applied for a loan with Avant for £7, 200 at the end of April 2016. The loan was repayable over 48 months at £301.18 a month. Mr... (2 pages)View decision -
Decision Reference DRN6995435
25 Oct 2017 Lending Stream Llc UpheldBanking and creditMr F complains that Lending Stream LLC gave him loans that he couldn’t afford.background Mr F took out a total of 14 loans with Lending Stream between March 2015 and May 2017. Each loan was due to be repaid in six monthly instalments. Details of the loans are as f... (4 pages)View decision -
Decision Reference DRN-5773497
27 Aug 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldBanking and PaymentsDRN-5773497 The complaint Mr A complains National Westminster Bank Public Limited Company lent to him unfairly when they approved his applications to increase his overdraft limit and failed to adequately monitor his use of the overdraft. What happened Mr A complains about NatWest’s len... (3 pages)View decision