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-6110881
16 Mar 2026 AmTrust Specialty Limited UpheldInsuranceDRN-6110881 The complaint Mr and Mrs J have complained about Amtrust Specialty Limited’s handling of a claim they made under the structural defects warranty covering their property. Reference to Amtrust also includes its agents and representatives. What happened The subject of this co... (6 pages)View decision -
Decision Reference DRN-6225125
16 Mar 2026 Zempler Bank Limited UpheldBanking and PaymentsDRN-6225125 Complaint Mr S has complained about a credit card and the subsequent credit limit increases Zempler Bank Limited (then trading as “Cashplus”) provided to him. He says he was provided with a credit card and limit increases despite the fact that he couldn’t afford them. Backg... (8 pages)View decision -
Decision Reference DRN-6109980
16 Mar 2026 MBNA Limited Not upheldBanking and PaymentsDRN-6109980 Complaint Mr A has complained about credit cards MBNA Limited (“MBNA”) provided to him. He says that these credit cards and a limit increase were unaffordable for him as they caused ongoing financial difficulty. Background MBNA provided Mr A with two credit cards. His accou... (5 pages)View decision -
Decision Reference DRN-5998259
16 Mar 2026 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-5998259 Complaint Mr D has complained that Shop Direct Finance Company Limited (trading as “Very”) irresponsibly provided him with a catalogue shopping account and limit increases. He’s said that that this resulted in financial difficulties and him having to enter into a debt manage... (5 pages)View decision -
Decision Reference DRN-6052805
16 Mar 2026 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-6052805 Complaint Mr H has complained about a credit card American Express Services Europe Limited (“AMEX”) provided to him. He says that the credit card and the subsequent limit increases were unaffordable for him and this resulted in ongoing difficulties including having to enter ... (5 pages)View decision -
Decision Reference DRN-6209452
16 Mar 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6209452 Complaint Mr W has complained about a credit card Barclaycard Bank Limited (“Barclaycard”) 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 Barclaycard provided M... (5 pages)View decision -
Decision Reference DRN-5769216
16 Mar 2026 Loans 2 Go Limited Not upheldConsumer CreditDRN-5769216 Complaint Miss W has complained about a loan Loans 2 Go Limited (“L2G”) provided to her. She says the payments were unaffordable. Background One of our investigators reviewed what Miss W and L2G had told us. And she thought that L2G hadn’t done anything wrong or treated her... (3 pages)View decision -
Decision Reference DRN-6212499
16 Mar 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-6212499 Complaint Mrs P has complained about a credit card Santander UK Plc (“Santander”) provided to her. She says the credit card was irresponsibly provided as it was unaffordable for her. Background Santander provided Mrs P with a credit card with a limit of £3,400.00 in June 20... (3 pages)View decision -
Decision Reference DRN-6215728
16 Mar 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6215728 Complaint Mr D has complained about loans which Mitsubishi HC Capital UK PLC (trading as “Novuna” Personal Finance) provided to him. He’s said that these loans were unaffordable and sufficient checks would have shown that he shouldn’t have been lent to. Background Mr D was ... (3 pages)View decision -
Decision Reference DRN-6186558
16 Mar 2026 Nationwide Building Society Not upheldBanking and PaymentsDRN-6186558 Complaint Miss H has complained about the overdraft charges Nationwide Building Society (“Nationwide”) applied to her current account. She’s said the charges applied to her account were unfair as she was effectively living in her overdraft and wasn’t using it for short-term ... (6 pages)View decision