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 366874 results
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Decision Reference DRN-5433549
28 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5433549 Complaint Mr K has complained about a credit card Vanquis Bank Limited (“Vanquis”) 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 2019, Vanquis provided Mr K with a credit card... (3 pages)View decision -
Decision Reference DRN-5271217
28 Apr 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5271217 Complaint Mrs C is unhappy with what Bank of Scotland Plc (trading as “Halifax”) has agreed to do to put things right after she complained about having unfairly been provided with an overdraft. Background In November 2017, Halifax provided Mrs C with an overdraft that had a... (3 pages)View decision -
Decision Reference DRN-5250674
28 Apr 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldConsumer CreditDRN-5250674 Complaint Mrs S has complained about personal loans which National Westminster Bank Public Limited Company (“NatWest”) provided to her. She’s said that these loans were unaffordable and this created a cycle of her having to borrow further in order to make her repayments. Ba... (5 pages)View decision -
Decision Reference DRN-5447665
28 Apr 2025 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-5447665 Complaint Mr P 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 June 2016, BMF provided Mr P with fin... (3 pages)View decision -
Decision Reference DRN-5214092
28 Apr 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5214092 Complaint Mr D has complained about the overdraft charges Santander UK Plc (“Santander”) applied to his account. Mr D is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr D’s account were unfair as there w... (5 pages)View decision -
Decision Reference DRN-5501471
28 Apr 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5501471 Complaint Ms I has complained about a credit card Capital One (Europe) plc (“Capital One”) provided to her. She says the credit card was irresponsibly provided as it was unaffordable. Background Capital One provided Ms I with a credit card with a limit of £200 in December 2... (3 pages)View decision -
Decision Reference DRN-5464368
28 Apr 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-5464368 Complaint Mr M has complained about the overdraft charges TSB Bank plc (“TSB”) applied to his account. Mr M is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr M’s account were unfair as there was a failu... (5 pages)View decision -
Decision Reference DRN-5139783
28 Apr 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5139783 Complaint Mr P has complained about the overdraft charges Santander UK Plc (“Santander”) applied to his account. Mr P is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr P’s account were unfair as there w... (5 pages)View decision -
Decision Reference DRN-5496986
28 Apr 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5496986 Complaint Mr M has complained about credit cards Capital One (Europe) plc (“Capital One”) provided to him. He says that the credit cards and the subsequent limit increases shouldn’t have been provided as they were unaffordable for him and this caused the lending relationship... (7 pages)View decision -
Decision Reference DRN-5305419
28 Apr 2025 Black Horse Limited Not upheldConsumer CreditDRN-5305419 The complaint Mrs S complains about the quality of a car she has been financing through an agreement with Black Horse Limited (‘Black Horse’), trading as Land Rover Financial Services. What happened Mrs S took receipt of a brand-new car in July 2019. She financed the deal th... (3 pages)View decision
