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 4607 results
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Decision Reference DRN-4273156
31 Jul 2023 Blue Motor Finance Ltd UpheldConsumer CreditDRN-4273156 The complaint Mr W has complained about a hire purchase agreement he had with Blue Motor Finance Ltd (BMF). He says he shouldn’t have been given the agreement. What happened In March 2020 Mr W entered into a 5-year hire purchase agreement with BMF to acquire a car. The car cost... (4 pages)View decision -
Decision Reference DRN-4302401
7 Sep 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4302401 The complaint Mr S complains that HSBC UK Bank Plc lent irresponsibly when it approved his credit card and later increased the credit limit. What happened HSBC says Mr S first applied for a credit card in November 2004 which was approved with a credit limit of £4,500. In Januar... (3 pages)View decision -
Decision Reference DRN-4887777
7 Aug 2024 Nationwide Building Society UpheldBanking and PaymentsDRN-4887777 Complaint Mr B has complained that Nationwide Building Society (trading as “Nationwide”) irresponsibly provided him with a credit card. Background Mr B was provided with a credit card, which had a credit limit of £5,500.00 in November 2014. The credit limit on the account w... (5 pages)View decision -
Decision Reference DRN-5344892
11 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5344892 The complaint Mr S complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr S applied for a credit card with Vanquis in May 2016. In his application Mr S said he had an income ... (3 pages)View decision -
Decision Reference DRN-3988168
4 May 2023 Steadypay Limited Not upheldConsumer CreditDRN-3988168 The complaint Mr P complains that SteadyPay Limited was irresponsible to lend to him and he now can’t repay the money. What happened Mr P applied for a SteadyPay facility on 2 February 2019 and his application was approved with a £1,000 credit limit. Mr P says SteadyPay had acc... (4 pages)View decision -
Decision Reference DRN-2016525
15 Sep 2020 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-2016525The complaintMr C is unhappy with fees and interest applied by Lloyds Bank PLC in relation to a transaction on his credit card. What happenedMr C has a Lloyds credit card. In December 2019 he made a payment of £5,000 to a vendor. The transaction was for a spread bet. Lloyds appl... (3 pages)View decision -
Decision Reference DRN1337397
18 Oct 2019 HSBC UK Bank Plc UpheldBanking and creditMiss M complains that HSBC UK Bank Plc (“HSBC”) won’t refund disputed transactions thatdebited her current account.backgroundI issued a provisional decision in September 2019 to explain why I thought Miss M’s complaint shouldn’t be upheld. And I said I’d consider anything else anyone wante... (4 pages)View decision -
Decision Reference DRN-5126495
29 Nov 2024 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-5126495 The complaint Miss L has complained that Sainsbury’s Bank Plc (“Sainsbury’s”) irresponsibly gave her a personal loan. She said that she was provided with this loan when she was struggling with a severe gambling addiction. What happened Sainsbury’s provided Miss L with a loan... (3 pages)View decision -
Decision Reference DRN-4754759
28 Aug 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4754759 The complaint Mr D has complained Monzo Bank Ltd won’t refund him for various disputed transactions. What happened In February 2024 Mr D contacted Monzo to complain about 17 transactions he didn’t recognise. These included a mix of cash machine withdrawals along with gamblin... (2 pages)View decision -
Decision Reference DRN9821034
15 May 2019 Uncle Buck Finance LLP Not upheldBanking and creditMr H complains that Uncle Buck Finance LLP lent him money he couldn’t afford to repay.backgroundMr H took out three loans with Uncle Buck as follows: Nodate applied for loanamountinstalmentsRepayment date107/01/2018£2002 @ £96, 1 @ £9431/01/2018214/04/2018£5003 @ £190, 1... (2 pages)View decision
