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 5443 results
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Decision Reference DRN-2887958
12 Jan 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2887958 The complaint Miss R complains that Capital One (Europe) plc won’t reimburse her the money she paid to what she says was an investment scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide an overview of some of the k... (2 pages)View decision -
Decision Reference DRN-3784334
17 Nov 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3784334 The complaint Mr M complains that Barclays Bank UK PLC trading as Barclaycard irresponsibly gave him a credit card that he couldn’t afford. For simplicity, I will refer to the business throughout as ‘Barclaycard’. What happened In March 2016, Mr M applied for a credit card with... (2 pages)View decision -
Decision Reference DRN2709562
30 Mar 2019 Uncle Buck Finance LLP UpheldBanking and creditMr B complains that Uncle Buck Financial LLP (Uncle Buck) didn’t carry out proper affordability checks and shouldn’t have agreed to lend him 9 loans as he couldn’t pay them back.backgroundMr B took out 9 short term loans between 7th August 2014 and 6th August 2015. A ... (4 pages)View decision -
Decision Reference DRN-2859097
16 Jul 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2859097 The complaint Mr C complains that Loans 2 Go Limited acted irresponsibly when lending to him. What happened Loans 2 Go provided Mr C with a loan as follows: Loan Start date Capital amount borrowed Term Monthly repayment 1 June 2020 £300 18 months £68.57 Mr C mainly said that Lo... (4 pages)View decision -
Decision Reference DRN-5725700
8 Aug 2025 TSB Bank plc UpheldBanking and PaymentsDRN-5725700 The complaint Mr and Mrs C complain TSB Bank plc won’t refund transactions made on their current account which they say were unauthorised. What happened On 12 May 2024, Mr and Mrs C noticed 26 transactions totalling £501 had been made from their account to a gambling websit... (3 pages)View decision -
Decision Reference DRN-6053892
6 Jan 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-6053892 The complaint Mr B says Zopa Bank Limited irresponsibly lent to him. What happened Mr B took out a loan for £1,000 over 24 months on 10 September 2025. The monthly repayments were £56.52 and the total repayable was £1,356.48. Mr B says Zopa’s lending decision was irresponsib... (3 pages)View decision -
Decision Reference DRN-6013352
10 Feb 2026 Bank of Scotland Plc UpheldBanking and PaymentsDRN-6013352 The complaint Miss E complains that Bank of Scotland plc trading as Halifax (Halifax) acted irresponsibly in granting her a personal current account overdraft, and in increasing its limit, as it was unaffordable for her. Miss E also complains that Halifax failed to support h... (4 pages)View decision -
Decision Reference DRN-5883625
16 Oct 2025 Loans 2 Go Limited UpheldConsumer CreditDRN-5883625 The complaint Mr R complains that Loans 2 Go Limited trading as Loans 2 Go was irresponsible in its lending to him. He wants the interest and charges on the loan written off and any adverse information removed from his credit file. What happened Mr R was provided with a £500... (3 pages)View decision -
Decision Reference DRN-4978869
6 Sep 2024 Everyday Lending Limited Not upheldConsumer CreditDRN-4978869 The complaint Mr B says Everyday Lending Limited (ELL), trading as Everyday Loans, irresponsibly lent to him. What happened Mr B took out a loan for £1,500 over 18 months in December 2023. The monthly repayments were £147.05 and the total repayable was £2,646.90. He says th... (3 pages)View decision -
Decision Reference DRN0696358
3 Sep 2021 Nationwide Building Society UpheldBanking and creditI issued a provisional decision in this complaint about Nationwide Building Society on 21 July 2021. It contains the relevant background information and sets out my provisional findings. For completeness, a copy is annexed to this final decision. background In brief summary, I was minded t... (12 pages)View decision