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 4744 results
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Decision Reference DRN-3148583
22 Nov 2021 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3148583 Complaint Mr S has complained that HSBC UK Bank Plc (“HSBC”) unfairly continued applying charges to his overdraft when it ought to have realised that it was irresponsible to continue providing it. Background One of our adjudicators looked at this complaint and HSBC shouldn’t h... (2 pages)View decision -
Decision Reference DRN-5393420
14 Apr 2025 Salad Finance Limited Not upheldConsumer CreditDRN-5393420 The complaint Mr H complains that Salad Finance Limited lent to him irresponsibly. What happened In August 2023, Mr H took out a loan with Salad Finance for £500.00 over 12 months. The monthly repayment figure was £57.42. In March 2024, Mr H made an additional loan applica... (2 pages)View decision -
Decision Reference DRN-5369252
28 Mar 2025 Nationwide Building Society UpheldBanking and PaymentsDRN-5369252 Complaint Miss J has essentially complained that Nationwide Building Society (“Nationwide”) unfairly provided her with an overdraft that was unaffordable. She also says that it continued applying charges to her overdraft even after it should have realised that she couldn’t s... (8 pages)View decision -
Decision Reference DRN-2877587
21 Jul 2021 Everyday Lending Limited UpheldConsumer CreditDRN-2877587 The complaint Miss H believes Everyday Lending Limited, trading as Everyday Loans, acted irresponsibly by agreeing four loans she’d applied for. What happened In February 2018, Miss H took out a £3,000 loan (Loan 1) with Everyday, to be repaid over 24 months with repayments of ... (4 pages)View decision -
Decision Reference DRN-1556478
7 May 2020 Elevate Credit International Limited UpheldConsumer CreditDRN-1556478 The complaintMr C says Elevate Credit International Limited, trading as Sunny (“Sunny”), irresponsibly lent to him. Mr C has said he got into a cycle of debt leading to repeat borrowing which worsened his already poor financial situation. What happenedThis complaint is about 23... (5 pages)View decision -
Decision Reference DRN2503129
22 Jun 2020 Loans 2 Go Limited UpheldBanking and creditMr H says it was irresponsible for Loans 2 Go Limited (Loans 2 Go) to lend him money in 2018.backgroundIn March 2018, Loans 2 Go Limited lent Mr H £300. Mr H agreed to repay this, with interest, over 18 months. Interest was charged at a simple fixed interest rate of 205.2% per year, applie... (5 pages)View decision -
Decision Reference DRN-2971947
23 Mar 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2971947 The complaint Mr B complains that Vanquis Bank Limited (“Vanquis”) registered a fraud prevention marker against him without due cause. What happened Mr B held a credit card account with Vanquis from December 2019 to March 2020. During this time, Mr B utilised the credit balance... (4 pages)View decision -
Decision Reference DRN-3011355
24 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3011355 The complaint Mr B complains that NewDay Ltd trading as Aqua (Aqua) lent to him irresponsibly. What happened Mr B applied for a credit card with Aqua in March 2015 and it was agreed with a limit of £250. Increases were then made as follows: Date Limit March 2015 (new card) £250... (4 pages)View decision -
Decision Reference DRN-4763536
29 Apr 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4763536 The complaint Mr C has complained that Barclays failed to recognise that he was using his substantial overdraft facility to gamble via high-risk investment platforms. Background Mr C has had a current account with Barclays since the early 1980s. It currently has an exceptionall... (4 pages)View decision -
Decision Reference DRN-4757290
26 Apr 2024 Evergreen Finance London Limited UpheldConsumer CreditDRN-4757290 The complaint Miss T complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided her with loans she couldn’t afford to repay because at the time she had four accounts on her credit file that were in default. What happened A summary of Miss... (4 pages)View decision
