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-4999497
23 Sep 2024 Chetwood Financial Limited Not upheldBanking and PaymentsDRN-4999497 Complaint Mr T has complained about a credit card Chetwood Financial Limited (trading as “Wave”) provided to him. He says that sufficient checks weren’t carried out before he was provided with the credit card. Background In June 2022, Wave provided Mr T with a credit card w... (3 pages)View decision -
Decision Reference DRN-3114944
29 Mar 2022 National Westminster Bank Plc UpheldConsumer CreditDRN-3114944 The complaint Mr D complains National Westminster Bank Plc lent to him irresponsibly. What happened Mr D applied to NatWest for lending on a number of occasions including for a £7,500 loan in May 2019 and a £10,000 loan in March 2020. Both loans were approved. In 2020 Mr D comp... (3 pages)View decision -
Decision Reference DRN-5470147
23 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5470147 The complaint Mr S complains that Vanquis Bank Limited irresponsibly lent to him. Mr S is represented by a solicitors 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 S himself. What happen... (2 pages)View decision -
Decision Reference DRN-1350916
10 Jan 2020 Santander UK Plc Not upheldBanking and PaymentsThe complaint Mr P complains about charges Santander UK Plc has applied to his credit card account. What happened Mr P complained to Santander about charges applied to his credit card for cash transactions. Santander said the fees and charges had been applied correctly and in line with the... (2 pages)View decision -
Decision Reference DRN-5172084
4 Dec 2024 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5172084 The complaint Mr G’s complaint arises out of a current account held with The Royal Bank of Scotland Plc. Mr G is unhappy that RBS blocked transactions on the account, as a result of which Mr G needed to open a second current account with a different bank. This left a credit... (2 pages)View decision -
Decision Reference DRN-3310064
14 Feb 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3310064 Complaint Mr B has complained that HSBC UK Bank Plc (“HSBC”) irresponsibly provided increased his overdraft and credit card limits as well as irresponsibly provided him with a personal loan. Background HSBC increased Mr B’s overdraft limit from £1,500.00 to £3,000.00 in Septemb... (4 pages)View decision -
Decision Reference DRN-3049857
25 Feb 2022 UK Credit Limited UpheldConsumer CreditDRN-3049857 The complaint Mr C complains that UK Credit Limited irresponsibly lent to him when he took out a guarantor loan with it. What happened Mr C borrowed £5000 with UK Credit Limited in 2016 with a guarantor loan. He complained in 2019 that the loan had been irresponsibly lent to hi... (4 pages)View decision -
Decision Reference DRN-4838041
10 Jun 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4838041 The complaint Mr M complains that NewDay Ltd acted irresponsibly in lending him two credit cards. What happened Mr M took out a credit card with NewDay under its Aqua brand in June 2021, with a credit limit of £600. In November 2022, Mr M took out a further credit card with New... (4 pages)View decision -
Decision Reference DRN-2940530
22 Nov 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2940530 The complaint Mr B is unhappy that Barclays Bank UK PLC, trading as Barclaycard, provided him with credit which he feels was unaffordable for him. What happened Mr B had a credit card account with Barclaycard. In June 2017 his credit limit was increased from £2,600 to £3,900. A... (4 pages)View decision -
Decision Reference DRN4929044
14 Nov 2017 Lloyds Bank PLC Not upheldBanking and creditMrs K says Lloyds Bank PLC set up a joint account for her and her husband incorrectly and as a result her husband was able to remove funds without her consent. She’d now like Lloyds to refund the money withdrawn.backgroundMrs K and her husband opened an account with ... (4 pages)View decision