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 5123 results
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Decision Reference DRN1295740
12 Dec 2017 MEM Consumer Finance Limited Not upheldBanking and creditMr C complains that MEM Consumer Finance Limited (trading as Payday UK) gave him a loan that he couldn’t afford.backgroundMr C took out a loan for £300 with Payday UK in July 2013. The total repayment due, including interest, was just under £390.Mr C deferred repaymen... (2 pages)View decision -
Decision Reference DRN-3197465
21 Jan 2022 Nationwide Building Society Not upheldBanking and PaymentsDRN-3197465 The complaint Ms G and Mr G complain that Nationwide Building Society allowed withdrawals from a joint account without the consent of both parties. What happened In 1985 an account was opened for Ms G. Nationwide says its records indicate it was a Child Trust Fund account. Mr G... (2 pages)View decision -
Decision Reference DRN1474135
2 Aug 2017 Everyday Lending Limited Not upheldBanking and creditMrs G complains on behalf of her son Mr G about the total amount repayable on a loan made by Everyday Lending Limited.backgroundMr G took out a loan with Everyday in August 2016. The loan was for £2000 over 30 months and the monthly repayments were £141.90 making ... (3 pages)View decision -
Decision Reference DRN-5321357
19 Mar 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5321357 The complaint Mr M complains that Nationwide Building Society (NBS) acted irresponsibly in agreeing to his application for a credit card. What happened In June 2024 Mr M applied for a credit card account with NBS. His application was successful and a credit limit of £4,500 w... (3 pages)View decision -
Decision Reference DRN-5298768
27 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5298768 The complaint Mr D complains that Vanquis Bank Limited irresponsibly lent to him. Mr D is represented by a solicitor’s firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr D himself. What happe... (2 pages)View decision -
Decision Reference DRN-3157377
8 Dec 2021 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3157377 The complaint Mr A has complained that HSBC UK Bank Plc (“HSBC”) acted unfairly by continuing to apply charges to his account when he was in financial difficulty. What happened Mr A complained to HSBC after it continued to apply charges to his account when he was in financial d... (3 pages)View decision -
Decision Reference DRN2175262
18 Oct 2018 Nationwide Building Society Not upheldBanking and creditMr R complains that Nationwide Building Society used their right of set off to take all the money he had in his bank account to reduce a loan he had with them.backgroundMr R had a loan from Nationwide and, due to missed payments, a default notice was sent on 29 S... (2 pages)View decision -
Decision Reference DRN-3244990
3 Feb 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3244990 The complaint Mr Y has complained that Lloyds Bank Plc should not have provided him with an overdraft facility. What happened Mr Y complained to Lloyds about the overdraft facility on his account, he said that he was struggling with gambling and payday lending and that Lloyds t... (2 pages)View decision -
Decision Reference DRN-4835878
29 Jul 2024 J D Williams & Company Limited Not upheldConsumer CreditDRN-4835878 Complaint Mr R has complained that J D Williams & Company Limited (“J D Williams”) irresponsibly provided him with a catalogue shopping account and subsequent credit limits. Background This complaint is about a catalogue shopping account J D Williams initially provided ... (4 pages)View decision -
Decision Reference DRN-3098354
9 Feb 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3098354 The complaint Mr M complains that Capital One (Europe) plc provided him with credit irresponsibly. What happened Mr M’s credit card account was opened in February 2015 with a credit limit of £200. In May 2017 the credit limit was increased to £450. Mr M complained to Capital On... (4 pages)View decision
