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 21091 results
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Decision Reference DRN6557961
26 Mar 2020 National Westminster Bank Plc UpheldBanking and creditComplaintMr W has complained about the overdraft facility on his National Westminster Bank Plc (“NatWest”) Select Platinum (initially Advantage Gold) packaged bank account. In essence, he’s unhappy with the charges applied to his overdraft and believes they’ve exacerbated his financial dif... (13 pages)View decision -
Decision Reference DRN-5600068
4 Sep 2025 Bank of Scotland Plc Not upheldConsumer CreditDRN-5600068 The complaint Mr W complains that Bank of Scotland plc trading as Halifax was irresponsible in its lending to him and hasn’t done enough to rectify this. He wants his loan written off, additional compensation and a reassessment of his repayment plan. What happened Mr W was p... (3 pages)View decision -
Decision Reference DRN-3826057
5 Dec 2022 Madison CF UK Limited Not upheldBanking and PaymentsDRN-3826057 The complaint Mr P complains that Madison CF UK Limited trading as 118 118 Money was irresponsible in its lending to him. What happened In April 2021, Mr P was provided with credit card by 118 118 Money with a credit limit of £1,200. There were no increases to the credit limit.... (2 pages)View decision -
Decision Reference DRN4872412
12 Nov 2015 Barclays Bank Plc Not upheldBanking and creditMr L complains that Barclays Bank Plc (“Barclays”) acted irresponsibly when it lent to him.backgroundIn December 2012, Mr L took out a loan with Barclays for £10, 900. That loan was restructured in November 2014 and Mr L borrowed £9, 500 with an APR of 14.9%. He then... (2 pages)View decision -
Decision Reference DRN-2241916
13 Nov 2020 Western Circle Ltd UpheldConsumer CreditDRN-2241916 The complaint Miss T says Western Circle Ltd trading as Cashfloat didn’t act in a timely manner when she told it that she was in financial difficulty. Because of this additional interest and charges were added to her account. She feels that these should be refunded to her. Miss... (3 pages)View decision -
Decision Reference DRN2384153
29 May 2020 arvato Financial Solutions Limited Not upheldBanking and creditMr H complains Arvato Financial Solutions Limited (AFS) have treated him unfairly. He says it hasn’t properly communicated with all parties and as a result his credit file has been adversely affected. backgroundOn 27 August 2013, Mr H took out a loan with a third party provider. On 16 Octo... (3 pages)View decision -
Decision Reference DRN-3609993
4 Aug 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3609993 The complaint Mr and Mrs M complain that HSBC UK Bank Plc (“HSBC”) acted unfairly by refusing to remove the default of their account from their credit records. They believe the default on their account was the direct result of irresponsible lending of other loans held with it. ... (3 pages)View decision -
Decision Reference DRN8612321
1 Nov 2018 MYJAR Limited UpheldBanking and creditMr K has complained about a series of payday loans he took out with MYJAR Limited (trading as “MYJAR”).He’s said MYJAR lent to him irresponsibly as it provided him with a number of loans over a period of almost five years. He’s also said that he had several other... (19 pages)View decision -
Decision Reference DRN-3210801
21 Feb 2022 Chetwood Financial Limited Not upheldConsumer CreditDRN-3210801 The complaint Mr K has complained that Chetwell Financial Limited (Trading at the time as “Live Lend”) provided him with an unaffordable loan. What happened Live Lend provided Mr K with a personal loan of £1,000.00 in November 2018. This loan had a 24-month term with a monthly ... (3 pages)View decision -
Decision Reference DRN-1951287
29 Jul 2020 MYJAR Limited Not upheldConsumer CreditDRN-1951287 The complaintMr S says MYJAR Limited lent to him irresponsibly.What happenedMr S took out a £175 loan with MYJAR in August 2018. The loan was scheduled to be repaid in six instalments but I understand it is still outstanding. An adjudicator considered Mr S’s complaint but didn... (2 pages)View decision