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 5520 results
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Decision Reference DRN0195642
17 Feb 2021 Home Retail Group Card Services Limited Not upheldBanking and creditMr F has complained about an Argos store card account that he opened with Home Retail Group Card Services Limited (HRG). Mr F thinks HRG provided credit to him irresponsibly. background I issued a provisional decision about this complaint in November 2020 that I summarise below. Mr F opene... (3 pages)View decision -
Decision Reference DRN-3130082
15 Nov 2021 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-3130082 The complaint Mr M has complained that The Royal Bank of Scotland Plc (“RBS”) acted irresponsibly by increasing the limit on his overdraft when he was in financial difficulty and that the fees charged were unfair. What happened One of our adjudicators looked at this complaint a... (3 pages)View decision -
Decision Reference DRN-3179031
20 Jan 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3179031 Complaint Mr K has complained that Santander UK Plc (“Santander”) irresponsibly provided him with an overdraft which it increased the limit on when he was already in financial difficulty. Background One of our adjudicators looked at Mr K’s complaint and thought Santander should... (3 pages)View decision -
Decision Reference DRN7625151
6 Feb 2020 MYJAR Limited UpheldBanking and creditMr D has complained about a number of loans he took out through a company called MYJAR Limited. Mr D says he was lent to irresponsibly and the loans caused him financial problems.backgroundWe now know that Mr D took out 2 instalment loans from MYJAR between May 2017 and October 2017. I’ve ... (3 pages)View decision -
Decision Reference DRN0428636
21 Aug 2017 Uncle Buck Finance LLP UpheldBanking and creditMr W complains that Uncle Buck Finance LLP gave him loans that he couldn’t afford to repay.backgroundMr W borrowed three times from Uncle Buck between April and June 2013. He repaid his first two loans on time, but was unable to make any repayments on his final loan... (3 pages)View decision -
Decision Reference DRN-2946355
7 Aug 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2946355 The complaint Mr B and Mrs S complain about a loan provided to them by Loans 2 Go Limited trading as “Loans 2 Go”, which they say were unaffordable. What happened Loans 2 Go provided Mr B and Mrs S with a log book loan. The details of which are given in this table: Taken Insta... (3 pages)View decision -
Decision Reference DRN-3246062
20 Jan 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3246062 Complaint Mr D has complained that Santander UK Plc (“Santander”) unfairly continued applying charges on his overdraft which added to his financial problems. Background One of our investigators looked at Mr D’s complaint and thought Santander should have realised Mr D’s overdr... (3 pages)View decision -
Decision Reference DRN3185432
15 Dec 2020 Bank of Scotland Plc Not upheldBanking and creditMs B complains that Bank of Scotland Plc registered a fraud prevention marker against her without due cause. background In December 2017 Ms B got in touch with Halifax (a division of Bank of Scotland Plc) as she had noticed transactions on her current account to a gambling website that she... (3 pages)View decision -
Decision Reference DRN-4414509
27 Oct 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4414509 Complaint Mr W has complained that HSBC UK Bank Plc (“HSBC”) unfairly continued allowing him to use an overdraft even when he was hardcore borrowing. Background When HSBC reviewed Mr W’s complaint it agreed that it shouldn’t have increased Mr W’s overdraft limit from £2,000.00 ... (3 pages)View decision -
Decision Reference DRN-3281378
6 May 2022 Blue Motor Finance Ltd UpheldConsumer CreditDRN-3281378 The complaint Mr N complains that Blue Motor Finance Ltd irresponsibly granted them a hire purchase agreement they couldn’t afford to repay. What happened In January 2020, Mr N acquired a car financed by a hire purchase agreement from Blue Motor Finance. Mr N paid a £2,000 depo... (3 pages)View decision