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 367928 results
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Decision Reference DRN-5374237
17 Mar 2025 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-5374237 Complaint Miss S has essentially complained that The Royal Bank of Scotland Plc (“RBS”) unfairly continued applying charges to her overdraft even when it was clear that she was in financial difficulty and failing to see a credit balance for an extended period. Background On... (3 pages)View decision -
Decision Reference DRN-5186219
17 Mar 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5186219 Complaint Mr M has complained about the overdraft charges Nationwide Building Society (“Nationwide”) 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 unfai... (5 pages)View decision -
Decision Reference DRN-5385133
17 Mar 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5385133 Complaint Ms W complains that Oodle Financial Services Limited (“Oodle”) unfairly entered into a hire- purchase agreement with her. She’s said that it wasn’t thoroughly checked whether she could make the repayments to this agreement which had an unaffordable interest rate. ... (4 pages)View decision -
Decision Reference DRN-5351782
17 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5351782 Complaint Ms B has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that all of this credit was unaffordable and caused her continued financial difficulty as the repayments re... (5 pages)View decision -
Decision Reference DRN-5373933
17 Mar 2025 FirstRand Bank Limited Not upheldConsumer CreditDRN-5373933 Complaint Ms L complains that FirstRand Bank Limited (trading as “MotoNovo Finance”) unfairly entered into a hire-purchase agreement with her. She’s said that the proper checks weren’t carried out which led to her being provided with finance that was unaffordable and the st... (5 pages)View decision -
Decision Reference DRN-5400017
17 Mar 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5400017 Complaint Ms K has complained about a credit card Capital One (Europe) plc (“Capital One”) provided to her. She says credit card was irresponsibly provided as it was unaffordable for her. Background Capital One provided Ms K with a credit card with a limit of £200 in Januar... (3 pages)View decision -
Decision Reference DRN-5167818
17 Mar 2025 Santander Consumer (UK) Plc Not upheldConsumer CreditDRN-5167818 Complaint Mr C complains that Santander Consumer (UK) Plc (trading as Santander Consumer Finance (“Santander CF”)) unfairly entered into a conditional sale agreement with him. He’s said that the agreement was unaffordable for him and his struggle to make his repayments cause... (4 pages)View decision -
Decision Reference DRN-5375958
17 Mar 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5375958 Complaint Mr C has complained that Lloyds Bank PLC (“Lloyds”) unfairly continued applying charges to his overdraft even when it was clear that he was in financial difficulty and failing to see a credit balance for an extended period. Mr C is being represented in his complai... (4 pages)View decision -
Decision Reference DRN-5394005
17 Mar 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5394005 Complaint Miss B has complained about a credit card Zopa Bank Limited (“Zopa”) provided to her. She says the credit card as well as the limit increase were irresponsibly provided. Background Zopa provided Miss B with a credit card with an initial limit of £1,200.00 in Decem... (3 pages)View decision -
Decision Reference DRN-5393653
17 Mar 2025 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-5393653 Complaint Mr E complains that BMW Financial Services (GB) Limited (“BMW FS”) unfairly entered into a hire-purchase agreement with him. He’s said that the finance was unaffordable and this resulted in him having to borrow from family, friends or loan providers in order to sat... (4 pages)View decision
