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 18371 results
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Decision Reference DRN5684867
11 Jun 2014 Halifax Investment Services Ltd Not upheldInvestment and pensionsMr K has brought a complaint on behalf of his son, Mr C, concerning a stocks and shares ISA. He has said Halifax Investment Services Ltd has mismanaged his son’s ISA. Halifax has also failed to listen to its risk adviser. Therefore, due to its poor management of its business the val... (2 pages)View decision -
Decision Reference DRN-1894322
3 Dec 2020 Oplo PL Ltd Not upheldConsumer CreditDRN-1894322 The complaint Mr C believes that 1 st Stop Personal Loans Limited lent to him irresponsibly by providing him with an unaffordable loan. What happened Mr C took out a fixed sum loan around June 2015. Mr C doesn't think 1 st Stop carried out the necessary checks on his fina... (2 pages)View decision -
Decision Reference DRN-5492321
17 Apr 2025 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-5492321 The complaint Ms J has complained about the way Creation Consumer Finance Ltd (“Creation”) responded to claims she’d made under section 75 (“s.75”) of the Consumer Credit Act 1974 (“the CCA”), and Ms J has complained about alleged irresponsible lending. Ms J has been repres... (5 pages)View decision -
Decision Reference DRN0902924
11 Feb 2019 HSBC UK Bank Plc Not upheldBanking and creditMr and Mrs A complain that HSBC UK Bank Plc gave them the wrong information when they took out a personal loan.backgroundIn February 2018 Mr and Mrs A applied for an HSBC loan. The interest rate was high but they told us HSBC said they could go back to their local... (2 pages)View decision -
Decision Reference DRN-4149463
6 Jun 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4149463 The complaint Mr K complains that Barclays Bank UK PLC trading as Barclaycard was irresponsible in its lending to him. What happened Mr K was provided with a credit card by Barclays in December 2016. The initial credit limit was set at £400 and wasn’t increased. Mr K says that ... (2 pages)View decision -
Decision Reference DRN6918894
16 Mar 2020 Avantcredit Of Uk, Llc Not upheldBanking and creditMr G says AvantCredit of UK, LLC (AvantCredit) acted unfairly when it lent him money in 2015.backgroundIn September 2015, AvantCredit lent Mr G £2,000, which Mr G agreed to repay, with interest, over 35 months. The monthly instalment was £116.95, so if Mr G made all the payments on time he... (2 pages)View decision -
Decision Reference DRN-5213951
16 Dec 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5213951 The complaint Mr T has complained that Moneybarn No. 1 Limited acted irresponsibly when it provided him with a finance agreement in March 2022. Background Mr T approved for a finance agreement with Moneybarn in March 2022. The agreement was for £15,000 over 60 months and Mr ... (3 pages)View decision -
Decision Reference DRN-4829343
31 Jul 2024 Next Retail Limited Not upheldConsumer CreditDRN-4829343 The complaint Miss C complains about the amount Next Retail Limited (“Next”) refunded to her as part of an irresponsible lending complaint. What happened In July 2020 Miss C entered into a Debt Arrangement Scheme (DAS) and a Debt Payment Programme (DPP) was agreed. Under the... (2 pages)View decision -
Decision Reference DRN-2946140
28 Jul 2021 Capital One (Europe) plc UpheldBanking and PaymentsDRN-2946140 The complaint Ms J complains that lending made to her by Capital One (Europe) plc was irresponsible. What happened Ms J said that she took out two cards with Capital One which had high credit limits. She said that when Capital One agreed to lend her this money, late 2015 and e... (3 pages)View decision -
Decision Reference DRN-4675100
17 Jun 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4675100 The complaint Mrs H complains that Barclays Bank UK PLC trading as Barclaycard acted unfairly by failing to set up a payment plan for a credit card account she held with it when she was experiencing financial difficulties. What happened Mrs H has held a credit card account with... (3 pages)View decision
