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 401363 results
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Decision Reference DRN-5690173
27 Oct 2025 ZILCH TECHNOLOGY LIMITED Not upheldConsumer CreditDRN-5690173 Complaint Mr R has complained about a credit account Zilch Technology Limited (trading as “Zilch”) provided to him. He says the credit account was unaffordable and proportionate checks would have shown that he shouldn’t have been lent to. Background Zilch provided Mr R with... (3 pages)View decision -
Decision Reference DRN-5898389
27 Oct 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5898389 Complaint Mr P has complained about the overdraft charges National Westminster Bank Public Limited Company (“NatWest”) applied to his current account. He’s effectively said the charges applied to his accounts were excessive and unfair and as he had to borrow further to repa... (6 pages)View decision -
Decision Reference DRN-5795361
27 Oct 2025 PayPal UK Ltd UpheldConsumer CreditDRN-5795361 Complaint Mr T has complained about a credit account PayPal UK Ltd (“PayPal”) provided to him. He says he shouldn’t have been provided with a credit account, or the limit increase, as the credit was unaffordable for him. Mr T argues that PayPal failed to take into account h... (8 pages)View decision -
Decision Reference DRN-5818171
27 Oct 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5818171 Complaint Ms C has complained about a credit card Clydesdale Bank Plc (trading as “Virgin Money”) provided to her. She says she shouldn’t have been provided with this credit card as she already had a lot of debt and was therefore struggling with her finances. Background Vir... (3 pages)View decision -
Decision Reference DRN-5897472
27 Oct 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5897472 Complaint Mr J has complained about the overdraft charges Bank of Scotland plc (trading as “Halifax”) applied to his account. Mr J is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr J’s account were unfa... (5 pages)View decision -
Decision Reference DRN-5858820
27 Oct 2025 BMW Financial Services (GB) Limited Not upheldConsumer CreditDRN-5858820 Complaint Mr D complains that BMW Financial Services (GB) Limited (“BMW FS”) unfairly entered into a hire purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In May 2021, BMW FS provided Mr D with finance for a us... (3 pages)View decision -
Decision Reference DRN-5842364
27 Oct 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5842364 Complaint Miss A 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-5651742
27 Oct 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5651742 Complaint Miss C complains that Oodle Financial Services Limited (trading as “Oodle” Car Finance) unfairly entered into a hire-purchase agreement with her. She’s said that it wasn’t properly checked whether she could make the repayments to this agreement, which were unafford... (3 pages)View decision -
Decision Reference DRN-5462959
27 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5462959 Complaint Mr R has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says that the credit card and the subsequent limit increase were unaffordable for him and this resulted in ongoing difficulties. Background Vanquis provided Mr R with a cr... (4 pages)View decision -
Decision Reference DRN-5903250
27 Oct 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5903250 Complaint Ms A has complained about the overdraft charges Bank of Scotland Plc (trading as “Halifax”) applied to her current account. Ms A is being represented, by the (“representative”), in her complaint. The representative has said the charges applied to Ms A’s account we... (4 pages)View decision