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 4726 results
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Decision Reference DRN-3687652
6 Jan 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3687652 The complaint Mr D is unhappy that Lloyds Bank PLC hasn’t reimbursed funds he lost to a scam. What happened Mr D believed he was gambling online with company ‘R’. He paid money into his online account using his debit card and believed he was using these funds. Mr D raised conce... (3 pages)View decision -
Decision Reference DRN3403655
2 Nov 2018 Uncle Buck Finance LLP UpheldBanking and creditMr W complains that Uncle Buck Finance LLP was irresponsible to continue lending to him when he had low disposable income and outstanding debts elsewhere.backgroundMr W had four loans from Uncle Buck between January 2015 and March 2015 as follows:Loan Date AmountTermRepa... (2 pages)View decision -
Decision Reference DRN-3870334
27 Jan 2023 Plata Finance Limited Not upheldBanking and PaymentsDRN-3870334 The complaint Mr P complains that Zopa Limited (“Zopa”) irresponsibly granted him a credit card he couldn’t afford to repay. What happened In April 2021 Mr P entered into an agreement with Zopa to have access to credit by way of a credit card account. He was given a credit limi... (2 pages)View decision -
Decision Reference DRN-3661848
22 Aug 2022 Clydesdale Bank Plc Not upheldConsumer CreditDRN-3661848 The complaint Mr C complains that Clydesdale Bank Plc trading as Virgin Money have irresponsibly lent to him. What happened Mr C took out a loan with Virgin Money for £11,500 over 84 months. He says at the time he took out the loan, he had a series of personal loans and payday ... (4 pages)View decision -
Decision Reference DRN-4798262
23 May 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-4798262 The complaint Mr D has complained that Loans 2 Go Limited (“L2G”) gave him a loan he couldn’t afford to repay. What happened Mr D was advanced one loan of £450 on 19 September 2023, and he was due to make 18 monthly repayments of £92.50. If Mr D repaid the loan in line with the... (4 pages)View decision -
Decision Reference DRN-4575277
29 Jul 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4575277 The complaint Mrs W complains that Bank of Scotland plc, trading as Halifax, withdrew her overdraft facility. What happened Mrs W had a Halifax current account with a £200 overdraft facility, which she used to rely on regularly. But in late 2023, she complained that the over... (2 pages)View decision -
Decision Reference DRN-5558198
19 May 2025 Volkswagen Financial Services (UK) Limited Not upheldConsumer CreditDRN-5558198 Complaint Mr W complains that Volkswagen Financial Services (UK) Limited (“VWFS”) unfairly entered into two hire-purchase agreements with him. He’s said that the monthly payments to both agreements were unaffordable and he therefore shouldn’t have been lent to. Background A... (4 pages)View decision -
Decision Reference DRN1009292
12 Nov 2020 Greenlight Credit Ltd UpheldBanking and creditComplaint Mr P complains about three logbook loans Greenlight Credit Ltd lent to him between March 2017 and March 2020. The details of this complaint are well known to both parties, so I will not repeat them all again here. The adjudicator that looked at the complaint concluded that Greenl... (2 pages)View decision -
Decision Reference DRN3523638
15 Aug 2017 TSB Bank plc UpheldBanking and creditMs O complains that TSB Bank plc have charged a cash advance fee on a transaction and then applied interest charges incorrectly. She wants the bank to refund the fees and interest and compensate her for the inconvenience this has caused.BackgroundMs O made a £5.00 p... (2 pages)View decision -
Decision Reference DRN9034148
27 Sep 2018 Barclays Bank Plc Not upheldBanking and creditMr P says it was irresponsible of Barclays Bank Plc (trading as Barclaycard) to increase his credit limit.backgroundMr P took out a Barclaycard in 2011. Barclays decreased the credit limit in 2012 after Mr P had difficulty staying within it and making the necessar... (3 pages)View decision
