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 DRN-3774867
10 Nov 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3774867 The complaint Mr P says HSBC UK Bank Plc (“HSBC”) acted irresponsibly by allowing him a £750 overdraft because the account was mainly used for gambling transactions. What happened One of our adjudicators looked into Mr P’s concerns and didn’t think there was anything within the... (3 pages)View decision -
Decision Reference DRN-4753024
7 May 2024 Loans 2 Go Limited Not upheldConsumer CreditDRN-4753024 The complaint Mr R is being represented by a claims manager. He’s complaining about Loans 2 Go Limited because he says it lent irresponsibly by giving him loans he couldn’t afford. What happened In 2019 and 2020, Mr R took out the following loans with Loans 2 Go: Loan 1 – Janu... (3 pages)View decision -
Decision Reference DRN-5729980
16 Jan 2026 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5729980 The complaint Miss M complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) lent to her irresponsibly. What happened Here is a brief table of the lending. Loan Approved Amount Repayments Repaid 1 8 November 2024 £8006 months 4 March 2025 2 1... (2 pages)View decision -
Decision Reference DRN-5605967
28 Aug 2025 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-5605967 The complaint Mr R complains that Clydesdale Bank Plc trading as Virgin Money lent irresponsibly when it increased the limit on his credit card. What happened Mr R applied for a Virgin Money credit card in January 2020. In his application, Mr R confirmed he was earning £42,... (4 pages)View decision -
Decision Reference DRN-6056237
29 Jan 2026 Tymit Ltd Not upheldBanking and PaymentsDRN-6056237 The complaint Mr D complains that Tymit Ltd (Tymit) acted irresponsibly in granting him a credit card account, and in increasing its limit, as he says it was unaffordable for him. Mr D also complains that Tymit failed to recognise that he was a vulnerable consumer as he was ... (4 pages)View decision -
Decision Reference DRN-5409857
2 Sep 2025 Lloyds Bank PLC UpheldBanking and PaymentsDRN-5409857 The complaint Mr C complains that Lloyds Bank PLC (“Lloyds”) irresponsibly lent him a credit card. What happened In April 2024 Mr C applied for a credit card with Lloyds. The application was accepted and he was provided with a credit limit of £2,500. The limit was never inc... (3 pages)View decision -
Decision Reference DRN-5421367
2 Sep 2025 Amplifi Capital (U.K.) Limited Not upheldConsumer CreditDRN-5421367 The complaint Mr D complains that Amplifi Capital (U.K.) Limited trading as Reevo (“Reevo”) irresponsibly provided him with a loan whilst he was struggling financially and had a gambling addiction. What happened Reevo provided Mr D with a loan for £1,500 on 2 December 2024 ... (3 pages)View decision -
Decision Reference DRN-5765057
17 Nov 2025 Santander UK Plc Not upheldConsumer CreditDRN-5765057 The complaint Mr L complains that Santander UK Plc was irresponsible in its lending to him. He wants all interest and charges removed from his loan and any negative information removed from his credit file. What happened Mr L was provided with a £8,000 loan by Santander in O... (3 pages)View decision -
Decision Reference DRN8167280
19 Dec 2014 National Westminster Bank Plc Not upheldBanking and creditMr V complains that National Westminster Bank Plc has refused to credit the value of transactions to his account that he denies making or otherwise authorising. backgroundOn 11 September 2014, 33 transactions were carried out using Mr V’s card and card details totalling £9,391.85. 11 of... (3 pages)View decision -
Decision Reference DRN-3293600
18 Mar 2022 Retail Money Market Ltd UpheldConsumer CreditDRN-3293600 The complaint Mr M complains about the role played by Retail Money Market Limited (trading as RateSetter) in facilitating a finance agreement between him and a third party. What happened I set out what happened leading up to and in the course of Mr M’s complaint in my provision... (7 pages)View decision