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 393318 results
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Decision Reference DRN-6099845
23 Feb 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-6099845 Complaint Mr W has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says that the credit card and the subsequent limit increases were unaffordable for him and this resulted in ongoing difficulties. Background Vanquis provided Mr W with a c... (5 pages)View decision -
Decision Reference DRN-6156971
23 Feb 2026 Plata Finance Limited Not upheldConsumer CreditDRN-6156971 Complaint Mrs P has complained about a loan Plata Finance Limited (“Plata”) provided to her. She says the loan was unaffordable given her personal and financial circumstances and so shouldn’t have been provided. Background Plata provided Mrs P with a loan for £3,000.00 in N... (3 pages)View decision -
Decision Reference DRN-5886881
23 Feb 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5886881 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-6118236
23 Feb 2026 Madison CF UK Limited Not upheldConsumer CreditDRN-6118236 Complaint Mrs B has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to her. She says that it ought to have known the loan was unaffordable and she wasn’t in a position to sustainably manage further credit at this time. Background Mrs B ha... (3 pages)View decision -
Decision Reference DRN-6046401
23 Feb 2026 Blue Motor Finance Limited Not upheldConsumer CreditDRN-6046401 Complaint Mr K 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 2022, BMF provided Mr K with fin... (3 pages)View decision -
Decision Reference DRN-6069206
23 Feb 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-6069206 Complaint Mr Z has complained about the overdraft charges Santander UK Plc (“Santander”) applied to his current account. He’s effectively said the charges applied to his account were unfair as there was a failure to take account of him using his overdraft for extended period... (6 pages)View decision -
Decision Reference DRN-6124252
23 Feb 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6124252 Complaint Mr H 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 April 2022, ... (3 pages)View decision -
Decision Reference DRN-6039290
23 Feb 2026 Creation Consumer Finance Limited Not upheldConsumer CreditDRN-6039290 Complaint Mrs M has complained that Creation Consumer Finance Ltd (“Creation”) irresponsibly provided her with an unaffordable credit account. She’s said that it ought to have seen that the credit was unaffordable. Background Mrs M was initially provided with a credit accou... (3 pages)View decision -
Decision Reference DRN-6107019
23 Feb 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldConsumer CreditDRN-6107019 Complaint Mr D has complained about a loan National Westminster Bank Public Limited Company (then trading as “Sainsbury’s Bank”) provided to him. He says that his existing debts meant that it was irresponsible to lend to him. Background Sainsbury’s Bank provided Mr D with a... (3 pages)View decision -
Decision Reference DRN-6168704
23 Feb 2026 U K Insurance Limited Not upheldInsuranceDRN-6168704 The complaint Ms N complained about how U K Insurance Limited (UKI) handled the renewal of her motor insurance policy. What happened UKI charged Ms N a premium of around £2,800 to renew her motor insurance policy in February 2024. She referred a complaint about this amount t... (2 pages)View decision