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-2904653
28 Feb 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-2904653 The complaint Mr E complains that Loans 2 Go Limited (“L2G”) lent him a loan he couldn’t afford. What happened The details of this complaint are well known to both parties, so I won’t repeat them all again here. L2G lent Mr E a loan of £400 in November 2018, this is not in disp... (2 pages)View decision -
Decision Reference DRN-2788336
28 Feb 2022 Bamboo Limited UpheldConsumer CreditDRN-2788336 The complaint Miss C, through a representative, says Bamboo Limited lent to her irresponsibly. What happened Miss C took out two guarantor loans from Bamboo. This means they were given on the basis Miss C had a guarantor who would be responsible for making the repayments if she... (4 pages)View decision -
Decision Reference DRN-3308347
28 Feb 2022 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-3308347 The complaint Mr C complains that Mercedes-Benz Financial Services UK Limited (MBFS) charged him for additional usage after the term of his car finance agreement had come to an end. What happened Mr C had a hire purchase agreement for a car which ended on 31 May 2019. On 30 May... (4 pages)View decision -
Decision Reference DRN-3229171
28 Feb 2022 Liverpool Victoria Insurance Company Limited UpheldInsuranceDRN-3229171 The complaint Miss S has complained about the way in which Liverpool Victoria Insurance Company Limited (‘LV’) has handled a claim under her home insurance policy. There were other parties involved in this complaint on behalf of LV, such as claims agents. For ease of reference ... (4 pages)View decision -
Decision Reference DRN-3340922
28 Feb 2022 Clydesdale Bank Plc UpheldMortgagesDRN-3340922 The complaint Mr D complains that Clydesdale Bank Plc, trading as Virgin Money, treated him unfairly by recording information about him on fraud prevention databases following a mortgage application. What happened In 2018, Mr D applied for a mortgage of around £411,000 plus fee... (2 pages)View decision -
Decision Reference DRN-3210356
28 Feb 2022 Lendable Ltd UpheldConsumer CreditDRN-3210356 The complaint Mr O complained that Lendable Ltd lent to him irresponsibly and provided him with an unaffordable loan. What happened Lendable provided a loan to Mr O as follows: Date taken Loan amount Term Typical monthly repayment Total amount payable Loan status 29/07/2019 £4,... (4 pages)View decision -
Decision Reference DRN-3221293
28 Feb 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3221293 The complaint Mr T and Mrs T complain on behalf of their company R. They’re unhappy that Barclays Bank UK PLC restricted access and closed R’s accounts without appropriate notice. And Barclays used credits applied to R’s account to pay off their overdraft. What happened Mr T an... (4 pages)View decision -
Decision Reference DRN-3340908
28 Feb 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3340908 The complaint Mr S has complained that Lloyds Bank PLC (“Lloyds”) provided an overdraft to him that was unaffordable. What happened Mr S held a current account with Lloyds which had an overdraft attached to it. In May 2017, Lloyds approved an application from Mr S to increase t... (4 pages)View decision -
Decision Reference DRN-3062891
28 Feb 2022 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-3062891 The complaint Mrs G complains that a car that was supplied to her under a conditional sale agreement with Santander Consumer (UK) plc, trading as Volvo Car Financial Services, wasn’t of satisfactory quality. What happened A new hybrid car was supplied to Mrs G under a condition... (3 pages)View decision -
Decision Reference DRN-3340711
28 Feb 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3340711 The complaint Ms R complains, in summary, about the customer service provided by Everyday Lending Limited, trading as Everyday Loans, (“ELL”), in respect of a loan provided to her by ELL. What happened ELL provided Ms R with a loan for £15,000 in August 2018. She received £11,3... (8 pages)View decision
