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 392389 results
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Decision Reference DRN-5997656
9 Feb 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5997656 Complaint Ms D has complained about the overdraft charges Bank of Scotland plc (“BOS”) applied to her current account. She’s said that she was effectively locked into paying the overdraft charges which she couldn’t afford and this caused her ongoing difficulty. Background B... (6 pages)View decision -
Decision Reference DRN-5990386
9 Feb 2026 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5990386 Complaint Mr E has complained about a credit card Zopa Bank Limited (“Zopa”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In August 2024, Zopa provided Mr E with a credit card which had... (3 pages)View decision -
Decision Reference DRN-6122091
9 Feb 2026 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-6122091 Complaint Mr S complains that Blue Motor Finance Ltd (“BMF”) unfairly entered into a hire-purchase agreement with him. He’s said that the payments to this agreement were unaffordable and so he should not have been lent to. Background In May 2018, BMF provided Mr S with fina... (3 pages)View decision -
Decision Reference DRN-5823575
9 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5823575 Complaint Mrs W has complained that Barclays Bank UK PLC (trading as “Barclaycard”) irresponsibly provided a credit card and associated limit increase to her. She says that the credit was unaffordable and the ongoing interest and charges prevented her from getting on top of ... (5 pages)View decision -
Decision Reference DRN-5889694
9 Feb 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5889694 Complaint Miss T has complained about the overdraft charges National Westminster Bank Public Limited Company (“NatWest”) applied to her current account. She’s effectively said the charges applied to her account were unfair as she shouldn’t have been given the overdraft and t... (6 pages)View decision -
Decision Reference DRN-5925278
9 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5925278 Complaint Miss A has complained about the overdraft charges Barclays Bank UK PLC (“Barclays”) applied to her current account. She’s effectively said the charges applied to her account were unfair as she shouldn’t have been given the overdraft in the first place and this caus... (7 pages)View decision -
Decision Reference DRN-5834437
9 Feb 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5834437 Complaint Miss C has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that all of this credit was unaffordable and caused her continued financial difficulty as the repayments... (6 pages)View decision -
Decision Reference DRN-6023494
9 Feb 2026 MBNA Limited Not upheldBanking and PaymentsDRN-6023494 Complaint Mrs P has complained that MBNA Europe plc (“MBNA”) irresponsibly provided credit cards to her. She says that the credit cards were unaffordable, trapped her in a long-term cycle of debt and caused her prolonged difficulty. Background MBNA provided Mrs P with two ... (6 pages)View decision -
Decision Reference DRN-6131555
9 Feb 2026 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-6131555 Complaint Mr J complains that Blue Motor Finance Ltd (“BMF”) unfairly entered into a hire-purchase agreement with him. He’s said that the payments to this agreement were unaffordable and so he should not have been lent to. Background In August 2019, BMF provided Mr J with f... (3 pages)View decision -
Decision Reference DRN-6065306
9 Feb 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6065306 Complaint Mr M complains that Moneybarn No.1 Limited (trading as “Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable. Background In August 2022,... (3 pages)View decision