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 76853 results
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Decision Reference DRN-5501369
30 Apr 2025 UK Credit Limited Not upheldConsumer CreditDRN-5501369 The complaint Mr S complains that UK Credit Limited was irresponsible in its lending to him. He wants all interest and charges refunded, along with statutory interest, and any adverse information recorded about this loan removed from his credit file. Mr S is represented by a... (4 pages)View decision -
Decision Reference DRN8260338
15 Nov 2016 Debt Release Direct Limited Not upheldBanking and creditMiss R, represented by a claims management company (CMC), complains that Debt Release Direct Limited did not inform her about the free debt services available when it took over her debt management plan (DMP).backgroundMiss R entered into a DMP which was transferred t... (3 pages)View decision -
Decision Reference DRN0659167
15 Feb 2017 Paragon Finance Plc UpheldBanking and creditMr S complains that Paragon Finance PLC applied a default to his credit file years after it should have been applied.backgroundMr S says that he entered into a debt management plan (DMP) in April 2008 and made nominal payments towards his account. He says that his a... (3 pages)View decision -
Decision Reference DRN-5793890
4 Nov 2025 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5793890 The complaint Mr M complains that Shawbrook Bank Limited was irresponsible in its lending to him. What happened Mr M was provided with a £9,500 loan by Shawbrook Bank. The loan term was 60 months, and Mr M was required to make monthly repayments of £218.30. Mr M said the loa... (3 pages)View decision -
Decision Reference DRN5671766
25 Mar 2014 Lloyds Bank PLC Not upheldBanking and creditMr T complains that Lloyds Bank PLC is wrongly seeking repayment from him for a debt that is not his.backgroundIn late 2012 Lloyds wrote to Mr T to tell him that an outstanding debt in his name had been transferred to a debt collection agency. The agency also wrote. Mr T told both the ... (2 pages)View decision -
Decision Reference DRN3761585
25 Jun 2013 Capital One (Europe) plc Not upheldBanking and creditMr G complains that Capital One Europe Plc changed the debt recovery company it was using without telling him, that it harassed him and called his mother about his debt. He wants them to stop chasing him and write off the debt outstanding.our initial conclusionsThe adjudicator r... (2 pages)View decision -
Decision Reference DRN-4405247
7 Nov 2023 Barclays Bank UK PLC Not upheldConsumer CreditDRN-4405247 The complaint Mr C complains that Barclays Bank UK PLC irresponsibly agreed two loans for him. What happened Barclays agreed two loans for Mr C in 2018. He had previously borrowed from Barclays in 2017 but hasn’t complained about those loans. I’ve summarised some of the availab... (3 pages)View decision -
Decision Reference DRN-3380861
21 Jun 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3380861 The complaint Ms F complains about AvantCredit of UK, LCC (“AC”) and their decision to provide her with a high-interest loan which she was unable to afford. What happened In February 2017, Ms F applied for a high-interest loan with AC. This application was approved, and Ms F wa... (4 pages)View decision -
Decision Reference DRN-2602894
18 Mar 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2602894 The complaint Miss S complains that Bank of Scotland plc trading as Halifax (Halifax) lent to her irresponsibly. What happened Miss S opened a credit card with Halifax in April 2016 on an interest free deal. Her limits were as follows: Date Limit April 2016 £1000 June 2016 £150... (3 pages)View decision -
Decision Reference DRN6237679
30 Sep 2013 Santander Cards UK Limited Not upheldBanking and creditMr R complains that Santander Cards UK Limited passed his account to another company without telling him. He says that a member of his family paid off the debt, although he is still being asked to repay it, and that it has also increased significantly. Mr R wants Santander to reduce the ... (2 pages)View decision