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 381082 results
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Decision Reference DRN-5708814
2 Oct 2025 HSBC UK Bank Plc Not upheldConsumer CreditDRN-5708814 Complaint Miss P has complained about personal loans which HSBC UK Bank Plc (“HSBC”) provided to her. She’s said that these loans were unaffordable as she was in long-term financial distress and which caused ongoing financial difficulty. Background Miss P was provided with ... (6 pages)View decision -
Decision Reference DRN-5833677
2 Oct 2025 TSB Bank plc Not upheldConsumer CreditDRN-5833677 Complaint Mr A has complained about a personal loan that TSB Bank plc (“TSB”) provided to him. He’s said that the loan was excessive and caused ongoing financial issues. Background In August 2014, TSB provided Mr A with a loan of £22,659.32 1 . The loan had an APR of 16.9% ... (5 pages)View decision -
Decision Reference DRN-5759041
2 Oct 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5759041 Complaint Mrs H has complained about the overdraft charges Barclays Bank UK PLC (“Barclays”) applied to her current account. She’s effectively said her overdraft was irresponsibly provided and this led to excessive and unfair charges as well as ongoing difficulty going forwa... (4 pages)View decision -
Decision Reference DRN-5612536
2 Oct 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5612536 Complaint Miss J 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-5842112
2 Oct 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5842112 Complaint Mrs H has complained about the overdraft charges Santander UK Plc (“Santander”) applied to her current account. Mrs H is being represented, by the (“representative”), in her complaint. The representative has said the charges applied to Mrs H’s account were unfair... (5 pages)View decision -
Decision Reference DRN-5807312
2 Oct 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5807312 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 January 2022, Zopa provided Mr E with a credit card which ha... (3 pages)View decision -
Decision Reference DRN-5840867
2 Oct 2025 Barclays Bank UK PLC Not upheldConsumer CreditDRN-5840867 Complaint Mr A has complained about personal loans which Barclays Bank UK PLC (which was then trading as “Tesco Bank”) provided to him. He’s said that the affordability of these loans was not properly and accurately assessed. This resulted in him having to borrow further in ... (7 pages)View decision -
Decision Reference DRN-5775760
2 Oct 2025 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5775760 Complaint Miss B has complained about a loan Oakbrook Finance Limited (trading as “Finio Loans”) provided to her. She says the loan was unaffordable and so shouldn’t have been provided. Background Finio Loans provided Miss B with a loan for £3,000.00 in October 2024. This l... (3 pages)View decision -
Decision Reference DRN-5854613
2 Oct 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5854613 Complaint Miss C 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 shouldn’t have been given the overdraft and this caused ongoing financial d... (8 pages)View decision -
Decision Reference DRN-5590036
2 Oct 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5590036 Complaint Mr K has complained about the overdraft charges National Westminster Bank Public Limited Company (“NatWest”) applied to his account. Mr K is being represented, by the (“representative”), in his complaint. Background Mr K successfully applied for an overdraft with... (5 pages)View decision
