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 DRN-3119529
3 Nov 2021 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3119529 Complaint Mr P has complained that HSBC UK Bank Plc (“HSBC”) irresponsibly provided him with an overdraft which it then increased the limit for. Background One of our adjudicators looked at this complaint and thought HSBC shouldn’t have increased Mr P’s overdraft in March 2016... (2 pages)View decision -
Decision Reference DRN-3293516
14 Mar 2022 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-3293516 The complaint Mr M complains about Tesco Personal Finance Plc trading as Tesco Bank’s decision to lend to him. What happened I set out the background to Mr M’s complaint in the provisional decision which I issued earlier this year. But, for ease of reading, I will set out what ... (6 pages)View decision -
Decision Reference DRN-5874458
18 Nov 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5874458 Complaint Mr S has complained about a credit card HSBC UK Bank Plc (“HSBC”) provided to him. He says that the credit card was unaffordable for him and caused him ongoing financial difficulty as he ended up having to enter into a debt management plan. Background In May 2017,... (4 pages)View decision -
Decision Reference DRN4500785
25 Sep 2013 Nationwide Building Society Not upheldBanking and creditMiss V complains that Nationwide Building Society continued to keep a record of her bankruptcy on her account records after it was discharged, and that as a result the society has not given her an overdraft facility.backgroundMiss V has a current account with Nationwide. She has asked... (2 pages)View decision -
Decision Reference DRN-3792970
9 Nov 2022 Madison CF UK Limited Not upheldBanking and PaymentsDRN-3792970 The complaint Miss W says Madison CF UK Limited, trading as 118 118 Money, irresponsibly lent to her and so must write off the outstanding balance on her card. What happened Miss W says 118 118 Money let her take out a credit card when she was already struggling financially. Th... (2 pages)View decision -
Decision Reference DRN-3585304
25 Nov 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3585304 The complaint Mr H complains that Creation Financial Services Limited (“Creation”) provided him with credit he couldn’t afford to repay. What happened Creation approved a credit card application for Mr H in July 2018. The credit limit was set at £1,000 and doesn’t appear to hav... (2 pages)View decision -
Decision Reference DRN-4589712
20 Feb 2024 Inclusive Finance Limited Not upheldConsumer CreditDRN-4589712 The complaint Mr M’s unhappy with two loans Inclusive Finance Limited, trading as Creditspring, provided him with as he says they were unaffordable for him. What happened Creditspring provided Mr M with a loan facility for £600 in May 2023. The terms of the facility meant Mr M ... (2 pages)View decision -
Decision Reference DRN-4663994
7 May 2024 Tandem Personal Loans Ltd UpheldConsumer CreditDRN-4663994 The complaint Mr O complains that Tandem Personal Loans Ltd (“Tandem”), who were 1 st Stop Personal Loans Limited, provided him with credit that he couldn’t afford to repay. What happened Tandem approved a loan of £7,000 for Mr O in February 2020. The loan was to be repaid at £... (2 pages)View decision -
Decision Reference DRN-4007039
2 May 2023 Santander UK Plc Not upheldConsumer CreditDRN-4007039 The complaint Mr A complains that Santander UK Plc (‘Santander’) irresponsibly gave him a loan that he couldn’t afford. What happened On 1 May 2008, Mr A applied for a loan with Santander. The loan amount was £11,000, the term was 60 months and the monthly repayment was £248.97... (2 pages)View decision -
Decision Reference DRN-3277783
7 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3277783 Complaint Mr P has complained about a loan AvantCredit of UK, LLC (“Avant Credit”) provided to her. He says the loan was provided at a time when he was already struggling and was therefore unaffordable. Background Avant Credit provided Mr P with a loan for £8,300.00 in December... (2 pages)View decision