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 21385 results
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Decision Reference DRN0633294
19 Nov 2015 Barclays Bank Plc UpheldBanking and creditMr S complains that Barclays Bank PLC acted irresponsibly by allowing him to borrow on loans and credit cards over a number of years. His daughter brings the complaint on his behalf.background Mr S has banked with Barclays for many years. He borrowed on credit cards,... (2 pages)View decision -
Decision Reference DRN-5659475
4 Sep 2025 HSBC UK Bank Plc Not upheldConsumer CreditDRN-5659475 The complaint Mrs O complains that HSBC UK Bank Plc (“HSBC”) irresponsibly provided her with a loan whilst she was struggling financially and didn’t conduct sufficient affordability checks. What happened HSBC provided Mrs O with a loan for £1,000 on 6 February 2020. The ter... (4 pages)View decision -
Decision Reference DRN2672968
3 Nov 2014 Barclays Bank Plc Not upheldBanking and creditMs D complains about irresponsible lending by Barclays Bank Plc (trading as Barclaycard). She says Barclaycard increased the credit limit on her late relative, Mr D’s account, and did not properly consider his income. She says his limit should not have increased without Barclaycard asses... (2 pages)View decision -
Decision Reference DRN-5236132
27 Jan 2025 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-5236132 The complaint Mr M complains that the conditional sale agreement he entered into with Moneybarn No. 1 Limited trading as Moneybarn was unaffordable. He wants 50% of the remaining repayments to be waived for the distress he has been caused. What happened Mr M entered into a c... (4 pages)View decision -
Decision Reference DRN-5718687
21 Oct 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5718687 The complaint Mr M complains that it was irresponsible for Bank of Scotland plc, trading as Halifax, to have opened a credit card account for him and to have increased his credit limit. What happened Mr M applied to Halifax for a credit card account in June 2016. His applica... (3 pages)View decision -
Decision Reference DRN-3691035
16 Sep 2022 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3691035 The complaint Mr D complains that Moneybarn No. 1 Limited irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In December 2019, Mr D acquired a used car by a conditional sale agreement from Moneybarn. Mr D paid a deposit of £400 and... (2 pages)View decision -
Decision Reference DRN0867926
25 Jun 2018 WDFC UK Limited Not upheldBanking and creditMs P complains that WDFC UK Limited (trading as Wonga) lent her money without first checking she could afford to repay it. She says she was in serious financial difficulty at the time, and Wonga would have realised this and not lent to her if it had carried out... (2 pages)View decision -
Decision Reference DRN-3657347
4 Oct 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3657347 The complaint Ms S complains that Capital One (Europe) plc (“Capital One”) irresponsibly provided her with credit she couldn’t afford to repay. What happened Capital One approved a credit card application for Ms S in December 2018 and they provided a credit limit of £1,000. In ... (2 pages)View decision -
Decision Reference DRN-3888054
20 Feb 2023 Carcashpoint Limited Not upheldConsumer CreditDRN-3888054 The complaint Miss S complains that CarCashPoint Limited (“CarCashPoint”) lent to her irresponsibly. What happened In September 2021 Miss S took out a fixed sum loan with CarCashPoint for £1,060. The loan was repayable by way of 36 monthly payments of £135. The total amount pay... (2 pages)View decision -
Decision Reference DRN4557145
1 Oct 2015 Casheuronet UK LLC UpheldBanking and creditMr D agreed a number of payday loans with Casheuronet UK LLC, trading as Quick Quid. He complains that Quick Quid were irresponsible in agreeing these loans. He says the loans have resulted in him being in financial difficulties. He wants Quick Quid to write off his ... (2 pages)View decision