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 5830 results
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Decision Reference DRN3800383
11 Sep 2019 Santander UK Plc UpheldBanking and creditMr D complained that Santander UK Plc acted irresponsibly by lending him £7,000 without doing sufficient checks on his finances. Mr D has brought this complaint to our service with the support of a representative, Mrs D. To keep things simple I’ve referred to him and his representative col... (3 pages)View decision -
Decision Reference DRN-3740410
4 May 2023 Santander UK Plc UpheldBanking and PaymentsDRN-3740410 The complaint Miss K has complained that Santander UK Plc unreasonably refused to refund a series of transactions debited from her account between 17 and 18 December 2021 following the loss or theft of her phone and debit card on 17 December. What happened After Miss K had been... (3 pages)View decision -
Decision Reference DRN9329980
17 Oct 2018 HSBC Bank plc Not upheldBanking and creditMiss K complains that HSBC Bank Plc unfairly declined her chargeback request and failed to treat her sympathetically.background Miss K used her HSBC card to deposit a total of £8,000 with an online gambling company. She was unhappy with the service she got from the on... (2 pages)View decision -
Decision Reference DRN-6239856
8 Apr 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6239856 The complaint Mr C complains that Barclays Bank UK PLC won’t refund the full amount of money he says he lost to a scam. What happened The background to this complaint is well-known to both parties, so I won’t repeat it in detail here. But in summary and based on the submissi... (3 pages)View decision -
Decision Reference DRN3696088
7 May 2019 Casheuronet UK LLC Not upheldBanking and creditMr B complains that CashEuroNet UK LLC (CEN) was irresponsible in lending him money and it telling him it had defaulted one loan.backgroundMr B has had three loans from CEN. One for £300 taken out on 14 March 2015 was repayable in twelve monthly instalments of £45.03... (3 pages)View decision -
Decision Reference DRN5638729
21 Mar 2019 NewDay Ltd Not upheldBanking and creditMr R complains that NewDay Ltd acted irresponsibly when they approved his application for a second credit card account. To put things right he wants them to refund him the interest and charges that were applied to the account when he later missed some payments.backgroun... (2 pages)View decision -
Decision Reference DRN7736693
23 Feb 2018 Provident Personal Credit Limited Not upheldBanking and creditMr K complains that Provident Personal Credit Limited (Provident) have been irresponsible in lending to him.backgroundMr K took a loan with Provident in December 2016 for £700 repayable over 52 weeks. He didn’t make any weekly payments but repaid it in full in February... (3 pages)View decision -
Decision Reference DRN-4851412
13 Jun 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4851412 The complaint Mr Y complains that Moneybarn No. 1 Limited (Moneybarn) irresponsibly entered into a conditional sale agreement with him. What happened In May 2018 Moneybarn provided Mr Y with finance to purchase a used car. The car cost £7,300 and Mr Y paid a deposit of £300. He... (3 pages)View decision -
Decision Reference DRN-4339807
12 Sep 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4339807 The complaint Miss E complains that HSBC UK Bank Plc (“HSBC”) failed to refund transactions from her account that she didn’t recognise. What happened Miss E reported numerous unusual transactions from her account and initially believed it was someone who she knew who was respon... (4 pages)View decision -
Decision Reference DRN-3346802
18 May 2022 Advantage Finance Ltd Not upheldConsumer CreditDRN-3346802 The complaint Mr C complains that Advantage Finance Ltd irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In November 2016, Mr C acquired a used car financed by a hire purchase agreement from Advantage Finance. Mr C made a £100 advan... (2 pages)View decision