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 5478 results
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Decision Reference DRN-3426306
13 Apr 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3426306 The complaint Mr D has complained that Bank of Scotland plc (trading as Halifax) unfairly applied charges to his account, contributing to his financial difficulties. What happened Mr D complained to Halifax about the charges that had been applied to his account for using his ov... (3 pages)View decision -
Decision Reference DRN3863758
16 Jul 2018 Moneybarn No. 1 Limited Not upheldBanking and creditMr M complains that Moneybarn No. 1 Limited lent him money irresponsibly.backgroundMr M borrowed nearly £7,000 from Moneybarn under a conditional sale agreement in December 2014 to get a used car. He says the repayments were unaffordable as he was having financial prob... (3 pages)View decision -
Decision Reference DRN-5931795
11 Nov 2025 Klarna Bank AB (publ) Not upheldConsumer CreditDRN-5931795 The complaint Mr D complains about credit provided to him by Klarna Bank AB (publ) (‘Klarna’) for a purchase he made in June 2020. What happened Mr D entered into a running-account credit agreement with Klarna in June 2020. He complained in March 2025, saying Klarna acted i... (3 pages)View decision -
Decision Reference DRN4427052
22 Jun 2018 Active Securities Limited UpheldBanking and creditMr C complains that Active Securities Limited, trading as 247 Moneybox, (“ASL”), gave himloans that were unaffordable and that it provided him with unsatisfactory customer service.backgroundMr C was given 24 loans by ASL between September 2015 and June 2017 as foll... (8 pages)View decision -
Decision Reference DRN6122179
23 Jan 2019 Barclays Bank UK PLC Not upheldBanking and creditMs M complains that Barclays Bank UK PLC irresponsibly granted her an overdraft facility.backgroundMs M says Barclays shouldn’t have granted her an overdraft in December 2012. She says at that time she had a poor credit record and payday loans. She’d also just co... (2 pages)View decision -
Decision Reference DRN8367507
16 Jul 2018 MEM Consumer Finance Limited Not upheldBanking and creditMr F complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans that he couldn’t afford.backgroundMr F took out a total of four loans with Payday UK between March and September 2009.Loan no. Loan amount Borrowing dateRepayment dateNumber of deferral... (5 pages)View decision -
Decision Reference DRN9946501
3 Apr 2017 Casheuronet UK LLC UpheldBanking and creditMs G complains about payday loans and flex credit accounts she took out with CashEuroNet UK LLC (trading as Quick Quid) which she says Quick Quid shouldn’t have given her because the borrowing wasn’t affordable. backgroundMs G borrowed six payday loans and two flex credi... (5 pages)View decision -
Decision Reference DRN-5578415
22 May 2025 Admiral Financial Services Limited Not upheldConsumer CreditDRN-5578415 The complaint Mr H complains that Admiral Financial Services Limited trading as Admiral Money was irresponsible in its lending to him. Mr H has a representative on this case but for ease of reference I have referred to Mr H throughout this decision. What happened Mr H applie... (4 pages)View decision -
Decision Reference DRN-4969911
16 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4969911 The complaint Mr R is being represented by a claims manager. He’s complaining about NewDay Ltd because he says it lent irresponsibly by giving him credit cards he couldn’t afford to repay. What happened In February 2020, Mr R opened a Marbles credit card account with an init... (5 pages)View decision -
Decision Reference DRN8867829
16 Jul 2014 Bank of Ireland (UK) Plc UpheldBanking and creditMr R complains that Bank of Ireland (UK) Plc has held him liable for a number of credit card transactions that he said he did not make or authorise.backgroundIn October 2013 Mr R complained to Bank of Ireland about a number of credit card transactions made in December 2011 and January 20... (3 pages)View decision