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 4607 results
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Decision Reference DRN-2461271
23 Jul 2021 Advancis Limited UpheldConsumer CreditDRN-2461271 The complaint Miss F complains about two loans from Advancis Limited, trading as Buddy Loans, (“BL”), which she says were unaffordable. What happened Miss F was given two loans by BL from August 2016 to March 2017. Loan 1 was repaid from the proceeds of Loan 2. From the most re... (6 pages)View decision -
Decision Reference DRN-2956794
20 Sep 2021 Oplo PL Ltd UpheldConsumer CreditDRN-2956794 The complaint Mr T has complained that Oplo PL Ltd (trading as “1st Stop”) lent to him irresponsibly. What happened 1st Stop provided Mr T with a personal loan of £5,000.00 in July 2016. This loan had a 40- month term with a monthly repayment amount of £180.07. This all meant ... (5 pages)View decision -
Decision Reference DRN7965727
13 Nov 2019 National Westminster Bank Plc Not upheldBanking and creditMr O complains that National Westminster Bank Plc (“NatWest”) acted irresponsibly when it lent him money in 2013.background I issued my provisional decision to both parties on 24 October 2019. A copy of this is attached below and forms part of this final decision. In my provisional decisio... (5 pages)View decision -
Decision Reference DRN-3707034
19 Dec 2022 TSB Bank plc UpheldBanking and PaymentsDRN-3707034 The complaint Mr G complains TSB Bank plc (“TSB”) provided an overdraft to him that was unaffordable. What happened In August 2014, Mr G applied for an overdraft facility of £1,500 for his current account. TSB approved this request. Following this, Mr G’s overdraft limit was in... (4 pages)View decision -
Decision Reference DRN3761833
27 Mar 2021 Everyday Lending Limited UpheldBanking and creditIn summary, Mr T has complained that Everyday Lending Limited (ELL) provided him with a loan when he wasn’t able to afford it. background In December 2017 ELL gave Mr T a loan for £3,000 repayable over three years. It was a high interest loan with an interest rate of 149.3% APR. The total ... (5 pages)View decision -
Decision Reference DRN-3302610
11 Feb 2022 National Westminster Bank Plc Not upheldConsumer CreditDRN-3302610 The complaint Mrs D complains that National Westminster Bank Plc lent to her irresponsibly when it approved loans in 2017 and 2018. She is also unhappy that the bank hasn’t done what they said they would do to put things right. What happened The details of this complaint are we... (5 pages)View decision -
Decision Reference DRN-2859438
24 Feb 2022 R. Raphael & Sons Limited UpheldConsumer CreditDRN-2859438 The complaint Mr C complains that R. Raphael & Sons Limited (RRS) acted irresponsibly when providing him a loan that he believed was unaffordable. What happened In September 2015, Mr C took out a loan with RRS for £4500. The loan was to be repaid over a period of 48 months ... (3 pages)View decision -
Decision Reference DRN1628159
24 May 2018 Active Securities Limited UpheldBanking and creditMr M complains that Active Securities Limited trading as 247 Moneybox lent him money that he couldn’t afford to repay.backgroundMr M took out five loans with 247 Moneybox between January and November 2013. He doesn’t think it carried out enough checks before agreeing to... (3 pages)View decision -
Decision Reference DRN-3860485
15 Dec 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3860485 The complaint Mr B complains that Santander UK Plc lent to him irresponsibly. What happened Mr B opened a credit card account with Santander in November 2010. His account limit was set at £3,400 and was never increased. Mr B says he couldn’t afford the credit. He says he had lo... (5 pages)View decision -
Decision Reference DRN-2704138
22 Mar 2021 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-2704138 The complaint Mr B complains that Monzo bank plc won’t refund disputed transactions made on his account totalling £7,500. What happened On the 6 January and 7 January 2020 disputed transactions totalling £7.500 were carried out using Mr B’s Monzo debit card. In total there were... (3 pages)View decision
