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 77095 results
-
Decision Reference DRN8023327
26 Feb 2014 Santander UK Plc Not upheldBanking and creditMr and Mrs W complain that Santander UK plc (then Alliance & Leicester) made an error and provided them with a £25,000 overdraft instead of the agreed £2,500. They have spent the overdraft and say that Santander should be partially liable for their debt because of its error.backg... (2 pages)View decision -
Decision Reference DRN0028046
28 Jan 2019 Clydesdale Financial Services Limited UpheldBanking and creditMr F complains that Clydesdale Financial Services Limited (trading as Barclays Partner Finance) (CFS) says he’s liable to repay a car loan that it told him was settled years ago. backgroundMr F took out this loan in 2004. He had trouble meeting the repayments and CFS ... (2 pages)View decision -
Decision Reference DRN-5724949
15 Dec 2025 Lendable Ltd Not upheldConsumer CreditDRN-5724949 The complaint Mr M complains that Lendable Ltd (“Lendable”) provided him with two personal loans, irresponsibly. What happened Lendable provided Mr M with loan 1 in May 2019 for £4,000 with a total amount of £4,956.66 repayable over 18 months. Monthly repayments were around... (5 pages)View decision -
Decision Reference DRN7948620
13 Mar 2015 Marlin Financial Services Limited UpheldBanking and creditMiss D complains that Marlin Financial Services Limited did not tell her that it received overpayments on her account. It then refunded the money to her debt management company, despite the fact that she asked it to send the money to her.backgroundMiss D was making... (1 page)View decision -
Decision Reference DRN-5775295
24 Nov 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5775295 The complaint Mr A has complained that Santander UK Plc unfairly sold a debt to a third party. What happened Mr A had a joint account with his wife, which had an outstanding debt. Santander took the decision to sell this to a third party. Mr A feels this was unfair, because ... (2 pages)View decision -
Decision Reference DRN-2934900
28 Mar 2022 Shawbrook Bank Limited UpheldConsumer CreditDRN-2934900 The complaint Mr H complains that Shawbrook Bank Limited didn’t carry out sufficient checks before giving him a substantial loan. He’d like the interest removed and the loan deleted from his credit file. What happened In January 2020 Mr H applied for a loan with Shawbrook. And ... (4 pages)View decision -
Decision Reference DRN-3555412
24 Jan 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3555412 The complaint Mr T has complained that Barclays Bank UK Plc, trading as Barclaycard, irresponsibly lent to him. What happened Mr T opened a credit card account with Barclaycard in October 2016 with an initial credit limit of £1,200. His credit limit was increased to £1,600 in F... (4 pages)View decision -
Decision Reference DRN-5824689
9 Dec 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5824689 The complaint Mr W complains that HSBC UK Bank Plc (HSBC) acted irresponsibly in providing him with a revolving credit facility. What happened Around February 2019 Mr W applied for a revolving credit facility (credit card) with HSBC. The credit card was offered with the opti... (5 pages)View decision -
Decision Reference DRN1204483
30 Sep 2015 Marlin Europe II Limited Not upheldBanking and creditMr S has complained about how he’s being pursued for a debt by Marlin Europe II Limited.backgroundMr S is being asked to repay a debt by Marlin. He has a lot of concerns about this, but many of these have already been looked at by this service. So this specific ... (2 pages)View decision -
Decision Reference DRN-2495434
11 Jan 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2495434 The complaint Miss A has complained that TSB Bank plc won’t remove a default from her credit reference files. What happened Miss A added her ex partner to her current account in April 2016. She said he’d coerced her into make her sole account a joint one. She said he then took ... (4 pages)View decision