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 114 results
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Decision Reference DRN-4412689
9 Dec 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4412689 The complaint Ms Y complains that Tesco Personal Finance PLC trading as Tesco Bank was irresponsible when it offered her two credit card accounts. What happened Tesco opened a credit card account for Ms Y in August 2017 and another one a few months later in January 2018. The fi... (4 pages)View decision -
Decision Reference DRN-4956313
10 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4956313 The complaint Mr A complains that NewDay Ltd trading as Aqua was irresponsible when it offered him two credit card accounts. Mr A has brought his complaint to us via a representative but I’ll refer to him throughout for simplicity. What happened NewDay opened a credit car... (4 pages)View decision -
Decision Reference DRN-3765618
20 Oct 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3765618 The complaint Mr B complains that Nationwide Building Society (‘Nationwide’) irresponsibly gave him credit that he couldn’t afford. What happened In June 2016 Mr B took out a loan for £13,428.23, a term of 60 months and a monthly premium of £275.86. Mr B also took out a credit ... (3 pages)View decision -
Decision Reference DRN-5126175
5 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5126175 The complaint Mrs G complains that NewDay Ltd trading as Fluid (“NewDay”) was irresponsible to open a credit account for her and to later increase the credit limit. Mrs G has brought her complaint via a representative but I will refer to her throughout for simplicity. What... (5 pages)View decision -
Decision Reference DRN-4645172
26 Feb 2024 Fairscore Ltd UpheldConsumer CreditDRN-4645172 The complaint Miss M complains that Fairscore Ltd trading as Updraft irresponsibly agreed loans for her. What happened Updraft agreed two loans for Miss M. I’ve summarised some of the information it provided about these in the table below. Start date End date Amount borrowed M... (4 pages)View decision -
Decision Reference DRN-3658324
20 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3658324 The complaint Mrs W complains for and behalf of the estate of Mrs S that NewDay Ltd trading as Marbles (“NewDay”) was irresponsible when it provided the late Mrs S with a credit card and increased her credit limit on three occasions. What happened NewDay opened a credit card ac... (5 pages)View decision -
Decision Reference DRN-4457750
15 Mar 2024 Fairscore Ltd UpheldConsumer CreditDRN-4457750 The complaint Miss L complains that Fairscore Ltd (trading as Updraft) irresponsibly agreed a loan for her. What happened Fairscore agreed a loan of £5,000 for Miss L in September 2021. The total amount owed was £7,906 to be repaid in 48 instalments of £165 (figures rounded). M... (3 pages)View decision -
Decision Reference DRN-4543965
12 Jan 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4543965 The complaint Mr H complains that Barclays Bank UK PLC trading as Barclaycard granted him credit he couldn’t afford to repay. What happened Barclays opened a credit card account for Mr H in August 2017. This type of credit was an open-ended or running account facility and the c... (4 pages)View decision -
Decision Reference DRN-5097728
15 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5097728 The complaint Miss L has complained that NewDay Ltd acted irresponsibly when it approved her application for a credit card and then subsequently increased the card’s limit multiple times. Background Miss L applied for a credit card with NewDay in September 2017. Her applicat... (3 pages)View decision -
Decision Reference DRN9148138
16 Dec 2019 Barclays Bank UK PLC UpheldBanking and creditMr H is unhappy about 3 loans and an overdraft he had with Barclays Bank UK PLC (Barclays). He feels the loans were mis-sold to him, and appropriate checks weren’t carried out to ensure the loans and overdraft was affordable. He would like any premiums, interest and late fees applied to be... (3 pages)View decision
