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-4932525
7 Aug 2024 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4932525 The complaint Mr H complains that Tesco Personal Finance PLC, trading as Tesco Bank, irresponsibly provided him with a credit card account he couldn’t afford. What happened In May 2021 Tesco opened a credit card account for Mr H. The credit limit was set at £6,800. In 2024,... (3 pages)View decision -
Decision Reference DRN-4950382
21 Aug 2024 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-4950382 Complaint Mr H has complained that Creation Consumer Finance Ltd (“Creation”) irresponsibly provided him with an unaffordable credit account. He’s said that the credit account he was given was not affordable. Background Mr H was provided with a credit account, with a credit... (3 pages)View decision -
Decision Reference DRN-5706272
21 Oct 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5706272 The complaint Mr L complains HSBC UK Bank Plc closed his current account unfairly and they refuse to tell him why. What happened Mr L held a basic current account with HSBC. Following a review, HSBC decided to close the account with immediate effect in June 2023. Mr L raised... (3 pages)View decision -
Decision Reference DRN8924781
26 Jan 2019 Nationwide Building Society Not upheldBanking and creditMr J complains that problems with Nationwide Building Society’s systems prevented him from making payments to place bets online which caused him financial loss.backgroundMr J attempted to make several payments to an online gambling account in November 2018 but the payme... (1 page)View decision -
Decision Reference DRN-4051099
21 Jun 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4051099 The complaint Mr D complins that FUND OURSELVES LIMITED trading as Fund Ourselves provided him with a loan he couldn’t afford to repay. What happened Fund Ourselves advanced Mr D a loan on 9 August 2020. The loan amount was £200, with an arrangement fee of £100, to be repaid in... (3 pages)View decision -
Decision Reference DRN-2784400
17 Jun 2021 Ferratum UK Ltd Not upheldConsumer CreditDRN-2784400 The complaint Mr G complains that Ferratum UK Ltd was irresponsible in its lending to him. What happened Mr G was provided with one loan by Ferratum in October 2018. The loan was for £200 with just under £250 repayable the following month. Mr G says that at the time of the loan... (3 pages)View decision -
Decision Reference DRN7446169
26 Jan 2021 Bank of Scotland Plc UpheldBanking and creditComplaint Miss A complains, in summary, that Bank of Scotland plc did not help her recover all the money she paid to a binary options trading platform using her Bank of Scotland Mastercard credit card. Background After seeing a well-known celebrity advertising a company, T Ltd, offering bi... (3 pages)View decision -
Decision Reference DRN-5250985
17 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5250985 The complaint Mr L, through a representative, says Vanquis Bank Limited irresponsibly lent to him. What happened Mr L took out a credit card from Vanquis on 7 October 2019. He was given a £1,000 credit limit. This was subsequently reduced to £450 and then increased to £900 o... (3 pages)View decision -
Decision Reference DRN-4576166
23 Apr 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4576166 The complaint Mr C has complained that Creation Consumer Finance Ltd (“Creation”) acted irresponsibly when it provided him with a £2,500 loan in April 2021. Background Mr C applied for a £2,500 loan over 30 months with Creation in April 2021. He has said that at the time he alr... (3 pages)View decision -
Decision Reference DRN3885406
10 Aug 2017 Casheuronet UK LLC UpheldBanking and creditMr H complains that CashEuroNet UK LLC (trading as Quick Quid) gave him loans that were unaffordable.backgroundI issued my provisional decision in July 2017, a copy of which is attached and forms part of this final decision. In my provisional decision I explained why... (6 pages)View decision