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 119142 results
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Decision Reference DRN-3169438
7 Mar 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3169438 Complaint Mr M has complained that Loans 2 Go Limited (“L2G”) provided him with an unaffordable loan. He says he was in so much debt and taking loans just to pay off existing debts. Background L2G provided Mr M with a loan of £999 in March 2021. This loan had an APR of 1,013.2%... (4 pages)View decision -
Decision Reference DRN-3354398
7 Mar 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3354398 The complaint Mrs G complained that Loans 2 Go Limited lent to her irresponsibly and provided loans that were unaffordable. What happened Mrs G took out loans with Loans 2 Go as follows: Loan Date Amount Term Monthly Repayment 1 20/07/2020 £250 18 months £57.14 2 25/01/2021 £40... (5 pages)View decision -
Decision Reference DRN-3277755
7 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3277755 The complaint Mr B complained that AvantCredit of UK, LLC lent to him irresponsibly and provided him with unaffordable lending. What happened AvantCredit provided a loan to Mr B as follows: Date taken Loan amount Term Typical monthly repayment Total amount repayable 7.3.2015 £1... (3 pages)View decision -
Decision Reference DRN-3172918
7 Mar 2022 Erudio Student Loans Limited UpheldConsumer CreditDRN-3172918 The complaint Mrs S complains that Erudio Student Loans Limited closed her student loan account after she applied for a deferment. What happened Mrs S has a student loan with Erudio and has explained she previously successfully applied to defer her payments. Between 2015 and 20... (3 pages)View decision -
Decision Reference DRN-3344400
7 Mar 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3344400 The complaint Mr K says Madison CF UK Limited, trading as 118 118 Money, lent to him irresponsibly. What happened Mr K took out two instalment loans from 118 118 Money. A summary of his borrowing follows. Both loans have been settled, loan 1 by loan 2. Mr K says the loans were ... (3 pages)View decision -
Decision Reference DRN-3088419
7 Mar 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3088419 The complaint Mr M complains that Bank of Scotland plc trading as Halifax (Halifax) provided lending to him through a credit card which was unaffordable and irresponsible. What happened Mr M took out a Halifax credit card in 2015 with a limit of £1500. Halifax increased this l... (3 pages)View decision -
Decision Reference DRN-3161099
7 Mar 2022 Morses Club PLC UpheldConsumer CreditDRN-3161099 The complaint Ms G, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Using information received from Morses, here is a brief loan table. Loan Start Date End Date Capital Amount Interest amount Term Repayment amount Weeks Live 1... (5 pages)View decision -
Decision Reference DRN-3324166
7 Mar 2022 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3324166 The complaint Mr S is unhappy that National Westminster Bank Plc (“NatWest”) approved an overdraft facility for him when he switched accounts. He says the overdraft wasn’t affordable for him. What happened Mr S opened an account with NatWest and successfully applied for an ove... (3 pages)View decision -
Decision Reference DRN-3266753
7 Mar 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3266753 The complaint Mr S is unhappy that HSBC UK Bank Plc won’t refund the money he’s lost to a fraudster. What’s happened? Mr S was made redundant in 2019 and says he wanted to invest some of his redundancy settlement. He found a company online, which I’ll refer to as ‘E’ throughout... (5 pages)View decision -
Decision Reference DRN-2970533
7 Mar 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-2970533 The complaint Mr B complains Bank of Scotland plc (trading as “Halifax”) allowed him to spend over £10,000 on gambling transactions when he had a gambling freeze applied to his account. What happened Mr B has a number of accounts with Halifax including a basic account. Mr B app... (3 pages)View decision
