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-5784925
19 Jan 2026 Frasers Group Financial Services Limited Not upheldConsumer CreditDRN-5784925 Complaint Mrs G has complained that Frasers Group Financial Services Limited (then trading as “Studio”) irresponsibly provided her with a catalogue shopping account and credit limit increases. She’s said that this credit was unaffordable for her and it resulted in her experi... (6 pages)View decision -
Decision Reference DRN-5782938
19 Jan 2026 Monzo Bank Ltd Not upheldConsumer CreditDRN-5782938 Complaint Mrs B has complained about a personal loan Monzo Bank Ltd (“Monzo”) which she says was unfairly lent to her. She says the loan was unaffordable as she already had a high amount of existing credit. Background Monzo provided Mrs B with a loan for £5,000.00 in May 20... (3 pages)View decision -
Decision Reference DRN-6044608
19 Jan 2026 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-6044608 Complaint Mrs B has complained about a credit card Capital One Europe Plc (“Capital One”) provided to her. She has said that the card was provided to her despite her existing high debt levels and clear difficulty. Background Capital One provided Mrs B with a credit card wi... (4 pages)View decision -
Decision Reference DRN-5990523
19 Jan 2026 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5990523 Complaint Miss M has complained about the overdraft charges The Royal Bank of Scotland Plc (“RBS”) 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. ... (6 pages)View decision -
Decision Reference DRN-5738611
19 Jan 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5738611 Complaint Mr D has complained about the overdraft charges National Westminster Bank Public Limited Company (“NatWest”) 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 ... (6 pages)View decision -
Decision Reference DRN-5698660
19 Jan 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5698660 Complaint Miss M has complained that HSBC UK Bank Plc (trading as “HSBC”) irresponsibly provided a credit card to her. She says that the credit card was unaffordable and created ongoing difficulty as she ended up in persistent debt. Background In August 2016, HSBC provided ... (5 pages)View decision -
Decision Reference DRN-6056993
19 Jan 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-6056993 Complaint Mr B has complained about a credit card HSBC UK Bank Plc (“HSBC”) provided to him. He says that the credit card was unaffordable for him and caused him ongoing financial difficulty. Background In November 2011, HSBC provided Mr B with a credit card which looks to ... (5 pages)View decision -
Decision Reference DRN-5935387
19 Jan 2026 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5935387 Complaint Mr G has complained about a loan Oakbrook Finance Limited (trading as “Likely Loans”) provided to him. He says he shouldn’t have been lent to as the loan was unaffordable as he had just completed an individual voluntary arrangement (“IVA”). Background Likely Loans... (3 pages)View decision -
Decision Reference DRN-5822759
19 Jan 2026 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5822759 Complaint Miss T has complained that Capital One Europe plc (“Capital One”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that the credit card and limit increases were unaffordable and caused her continued financial diffi... (5 pages)View decision -
Decision Reference DRN-6073374
19 Jan 2026 Fairscore Ltd UpheldConsumer CreditDRN-6073374 Complaint Miss P has complained that Fairscore Ltd (trading as “Updraft”) provided her with an unaffordable loan bearing in mind her existing debts. Background Updraft provided Miss P with a loan for £7,000.00 in November 2024. This loan had an APR of 18.9% and a 60-month t... (5 pages)View decision