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 4777 results
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Decision Reference DRN-5607152
25 Jun 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldBanking and PaymentsDRN-5607152 The complaint Mr B complains National Westminster Bank Public Limited Company lent to him irresponsibly when they approved his application for an overdraft and failed to adequately monitor his use of it. What happened Mr B complains about the lending decision below and NatW... (4 pages)View decision -
Decision Reference DRN8784530
18 Dec 2017 Lending Stream Llc UpheldBanking and creditMr D has complained about instatement loans he’s taken with Lending Stream LLC (Lending Stream) between March and November 2016. Mr D says Lending Stream lent to him irresponsibly. backgroundA summary of Mr D’s borrowing history can be found below;loan numberloan amoun... (4 pages)View decision -
Decision Reference DRN5084365
28 Apr 2016 Madison CF UK Limited UpheldBanking and creditMs E complains that Madison CF UK Limited (trading as 118118 Money) lent to her irresponsibly.backgroundMs E applied for a £1,000 loan from the business in May 2015. She says that the business should not have provided this to her.Ms E says that the bank statement ... (3 pages)View decision -
Decision Reference DRN-3812127
5 Dec 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3812127 The complaint Miss M complains that Barclays Bank UK PLC trading as Barclaycard was irresponsible in its lending to her. What happened Miss M took out a credit card with Barclaycard in August 2012. The initial limit of £6,800 was reviewed and increased in December 2014 to £10,8... (3 pages)View decision -
Decision Reference DRN-3737228
5 Oct 2022 HSBC UK Bank Plc Not upheldConsumer CreditDRN-3737228 The complaint Mr P complains that HSBC UK Bank Plc have irresponsibly lent to him. Mr P is represented by his father in law in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments he has made as being made by Mr P himself. What happened Mr... (5 pages)View decision -
Decision Reference DRN-4951026
21 Aug 2024 Sainsbury's Bank Plc UpheldConsumer CreditDRN-4951026 The complaint Mr H complains that Sainsbury’s Bank Plc lent irresponsibly when it approved two loan applications he made. What happened In January 2019 Mr H applied for a loan of £7,000 with Sainsbury’s Bank. Mr H said he was self employed and that his income was £31,200 wh... (3 pages)View decision -
Decision Reference DRN9897151
16 Mar 2017 Active Securities Limited UpheldBanking and creditMr E complains that Active Securities Limited (trading as 24/7 Money Box) was irresponsible to lend money to him. backgroundI issued a provisional decision in February 2017 where I explained why I planned to uphold Mr E’s complaint in part. An extract of this is at... (3 pages)View decision -
Decision Reference DRN-2497316
11 Jan 2022 UK Credit Limited Not upheldConsumer CreditDRN-2497316 The complaint Mr S complains UK Credit Limited didn’t complete reasonable and proportionate checks when approving him for two guarantor loans. What happened Mr S was approved for two guarantor loans with UK Credit: Date of loan Capital Amount Term Monthly repayments (approx.) T... (5 pages)View decision -
Decision Reference DRN4038655
11 Jun 2015 HSBC Bank plc Not upheldBanking and creditMr R complains that HSBC Bank plc will not refund two disputed transactions made on his account.backgroundMr R has a current account with HSBC. Two debit card transactions were made on his account – these were for activity on a betting website with which Mr R has ... (4 pages)View decision -
Decision Reference DRN-2467554
21 Jan 2021 American Express Services Europe Limited (AESEL) Not upheldBanking and PaymentsDRN-2467554 The complaint Mr I complained that American Express Services Europe Limited (AESEL) lent to him irresponsibly What happened Mr I applied for a credit card with AESEL. The application was approved, and the card was issued in June 2016. In the same month, AESEL reviewed the activ... (3 pages)View decision
