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 400694 results
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Decision Reference DRN-6147145
7 Apr 2026 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-6147145 Complaint Mrs V has complained that Capital One Europe plc (“Capital One”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that the credit card and limit increases were unaffordable and caused her continued financial diffi... (5 pages)View decision -
Decision Reference DRN-6213451
7 Apr 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-6213451 Complaint Miss M has complained about the overdraft charges Lloyds Bank PLC (“Lloyds”) applied to her current account. She said the overdraft she was provided with, which had the limit increased, was unaffordable for her and trapped her in a constant cycle of financial dist... (6 pages)View decision -
Decision Reference DRN-6265040
7 Apr 2026 Fairscore Ltd Not upheldConsumer CreditDRN-6265040 Complaint Mr G has complained about a loan Fairscore Ltd (“Updraft”) provided to him. He says that his existing debts meant that it was irresponsible to lend to him. Background Updraft provided Mr G with a loan for £3,000.00 in January 2025. This loan had an APR of 35.83%, ... (3 pages)View decision -
Decision Reference DRN-6261042
7 Apr 2026 Shogun Finance Limited Not upheldConsumer CreditDRN-6261042 Complaint Miss W complains that Shogun Finance Limited (trading as “Shogun Financial” Services) unfairly entered into a hire-purchase agreement with her. She’s said the monthly payments to the agreement were unaffordable and so she shouldn’t have been accepted for it. Backg... (3 pages)View decision -
Decision Reference DRN-6222389
7 Apr 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-6222389 Complaint Miss J has complained about a loan Zopa Bank Limited (“Zopa Bank”) provided to her. She says that the loan was unaffordable given her circumstances and the amount of debt that she already had at the time. Background Zopa Bank provided Miss J with a loan for £10,00... (3 pages)View decision -
Decision Reference DRN-6138215
7 Apr 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-6138215 Complaint Miss A has complained about the overdraft charges Santander UK Plc (“Santander”) applied to her current account. She’s effectively said the charges applied to her account were unfair as she was charged even when she couldn’t afford it. Background Miss A originally... (5 pages)View decision -
Decision Reference DRN-5973685
7 Apr 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5973685 Complaint Mrs B has complained about the overdraft charges HSBC UK Bank Plc (“HSBC”) applied to her current account. She’s effectively said that she shouldn’t have been provided with an overdraft and therefore the charges applied to her account were unfair as they were appli... (5 pages)View decision -
Decision Reference DRN-6259856
7 Apr 2026 MotoNovo Finance Limited Not upheldConsumer CreditDRN-6259856 Complaint Mr T complains that MotoNovo Finance Limited (“MotoNovo”) unfairly entered into a hire- purchase agreement with him. He’s said the payments to his agreement were unaffordable. Background In March 2023, MotoNovo provided Mr T with finance for a used car. The cash p... (3 pages)View decision -
Decision Reference DRN-6253164
7 Apr 2026 TSB Bank plc Not upheldBanking and PaymentsDRN-6253164 Complaint Mr C has complained about the overdraft charges TSB Bank Plc (“TSB”) applied to his current account. He’s effectively said the charges applied to his account were excessive and unfair and as he had to borrow further to repay them, they led to ongoing difficulty goi... (6 pages)View decision -
Decision Reference DRN-6256257
7 Apr 2026 Volkswagen Financial Services (UK) Limited Not upheldConsumer CreditDRN-6256257 Complaint Ms L complains that Volkswagen Financial Services UK Limited (“VWFS”) unfairly entered into a hire-purchase agreement with her. She’s said the agreement was unaffordable and so she shouldn’t have been accepted for it. Ms L has used a “representative” to make her c... (3 pages)View decision