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 4808 results
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Decision Reference DRN4696543
6 Nov 2017 Barclays Bank Plc UpheldBanking and creditMiss J complains that Barclays Bank Plc has held her liable for a number of transactions that she says were made fraudulently by an acquaintance. The bank has agreed to credit her account with the value of a number of the transactions – although not the majori... (5 pages)View decision -
Decision Reference DRN-5260243
17 Jan 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5260243 Complaint Mr G complains that Moneybarn No.1 Limited (trading as “Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable. Background In April 2021, ... (4 pages)View decision -
Decision Reference DRN-3851524
19 Dec 2022 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-3851524 The complaint Mr R complains that Sainsbury’s Bank Plc (“Sainsbury’s”) lent to him irresponsibly when it gave him a loan that he says he couldn’t afford. What happened Mr R took out an unsecured loan for £14,000 with Sainsbury’s in June 2022. He told Sainsbury’s he wanted to bu... (2 pages)View decision -
Decision Reference DRN6362129
14 Sep 2016 MEM Consumer Finance Limited UpheldBanking and creditMr S complains about seven loans he took out with MEM Consumer Finance Limited (trading as Payday UK). He believes he should never have been lent to as he couldn’t afford to repay the loans because of his existing commitments.backgroundBetween March 2010 and October... (3 pages)View decision -
Decision Reference DRN-4731663
19 Apr 2024 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4731663 The complaint Mr P says that Capital One (Europe) plc (“Capital One”) were irresponsible to extend credit to him. What happened Capital One approved a credit card application for Mr P in February 2019, the credit limit was initially set at £200 and was never increased. Mr P say... (2 pages)View decision -
Decision Reference DRN3336276
14 Jan 2020 Valour Finance Limited Not upheldBanking and creditMr H complains that Valour Finance Limited (trading as ‘Savvy’) irresponsibly lent to him. backgroundMr H borrowed £1,500 from Savvy in June 2018. The loan was set to run for 15 months and his repayments were set at £200 per month. From the information provided, I can see that there’s stil... (3 pages)View decision -
Decision Reference DRN-5025139
7 Oct 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-5025139 Complaint Mr R complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said that the agreement was unaffordable and the finance therefore shouldn’t have been provided to him. Background In October 2019, SMF pro... (3 pages)View decision -
Decision Reference DRN-4997675
30 Sep 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4997675 The complaint Mr S complains that Santander UK Plc has requested one time passcodes (OTP) to authorise transactions to a specific merchant. He also complains that Santander misled him to believe it was the merchant, rather than Santander that had requested the OTPs. What hap... (3 pages)View decision -
Decision Reference DRN9922906
20 Feb 2018 TSB Bank plc Not upheldBanking and creditMr C complains that TSB Bank plc is holding him liable for some in-app purchases he says he didn’t make.backgroundMr C has a current account with TSB. His debit card details are registered with a digital distribution service (“DDS”) so that he can make purchases t... (3 pages)View decision -
Decision Reference DRN-3354721
22 Mar 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3354721 The complaint Mr C complains that Everyday Lending Limited (trading as Everyday Loans) was irresponsible to lend to him. What happened Mr C took out a loan with Everyday Loans on 17 July 2019. He borrowed £3,000 and was due to repay £274.26 monthly for 18 months, until 1 Januar... (4 pages)View decision
