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 70 results
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Decision Reference DRN-6072755
12 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-6072755 The complaint Mr F’s complaint is, in essence, that Tandem Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding ag... (13 pages)View decision -
Decision Reference DRN-5970886
12 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-5970886 The complaint Mr U’s complaint is, in essence, that Tandem Personal Loans Ltd trading as Oplo (the ‘Lender’ 1 ) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘... (14 pages)View decision -
Decision Reference DRN-6065374
9 Jan 2026 Tandem Bank Limited Not upheldConsumer CreditDRN-6065374 The complaint Mrs M’s complaint is, in essence, that Tandem Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding a... (11 pages)View decision -
Decision Reference DRN-5965346
26 Nov 2025 Tandem Bank Limited UpheldConsumer CreditDRN-5965346 The complaint Mr D’s complaint is, in essence, that Tandem Bank Limited 1 (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding ... (11 pages)View decision -
Decision Reference DRN-5842928
17 Nov 2025 Tandem Bank Limited Not upheldConsumer CreditDRN-5842928 The complaint Mr O complains in respect of a loan agreement he took out with Tandem Bank Limited trading as Tandem. What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my role resolving dis... (3 pages)View decision -
Decision Reference DRN-5732295
17 Nov 2025 Tandem Bank Limited Not upheldConsumer CreditDRN-5732295 The complaint Ms B complains Tandem Bank Limited (“Tandem”) falsely claimed her account was in arrears on multiple occasions. What happened In around September 2024, Ms B took out a fixed-sum loan from Tandem to finance the purchase of some windows. She agreed to repay the ... (3 pages)View decision -
Decision Reference DRN-5757732
25 Sep 2025 Tandem Bank Limited UpheldConsumer CreditDRN-5757732 The complaint Mr C has complained that Tandem Bank Limited “Tandem” provided incorrect information relating to the interest applicable to his loan account. What happened Mr C bought a solar panel system (the system) for his home which was installed in 2024. Mr C paid for th... (4 pages)View decision -
Decision Reference DRN-5601592
16 Jul 2025 Tandem Bank Limited UpheldConsumer CreditDRN-5601592 The complaint Mrs F has complained that Tandem Bank Limited “Tandem” hasn’t resolved her claim against it under Section 75 of the Consumer Credit Act 1974 in line with her wishes. What happened Mrs F bought a new heat pump system (the system) for her home in June 2023. The ... (7 pages)View decision -
Decision Reference DRN-5600552
15 Jul 2025 Tandem Bank Limited Not upheldConsumer CreditDRN-5600552 The complaint Mrs S has complained that Tandem Bank Limited “Tandem” rejected her claim against it under Section 75 of the Consumer Credit Act 1974. Mrs S’s credit agreement was originally with a different provider, but Tandem is responsible for answering this Section 75 cl... (4 pages)View decision -
Decision Reference DRN-4930822
20 Nov 2024 Tandem Bank Limited UpheldConsumer CreditDRN-4930822 The complaint Mrs D’s complaint is that, when she had a new boiler fitted, the work was not carried out to a satisfactory standard. Because the work was financed with a loan from Tandem Bank Limited, Mrs D says that it is equally liable with the supplier for that work. What ... (3 pages)View decision