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-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 DRN-4243768
31 Jul 2023 Koto Card Limited Not upheldBanking and PaymentsDRN-4243768 The complaint Mr S complains that Koto Card Limited (trading as The Credit Thing) was irresponsible to lend to him. What happened Mr S applied for a credit card with The Credit Thing on 3 January 2022 and was approved for a card with a £500 limit. Mr S says he had over £30,00 o... (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 DRN8537443
17 Dec 2018 Loans 2 Go Limited UpheldBanking and creditMiss Y complains that Loans 2 Go Limited provided her with a fixed sum loan that was unaffordable. She says Loans 2 Go should have realised the loan was unaffordable based on the information she provided.backgroundMiss Y took out a £1,000 loan in July 2013 which ... (2 pages)View decision -
Decision Reference DRN-5011026
8 Oct 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5011026 The complaint Mr D complains that Barclays Bank UK Plc (“Barclays”) didn’t do enough to protect him when his account was used by an individual known to him. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead... (5 pages)View decision -
Decision Reference DRN-4112767
5 Jun 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4112767 The complaint Mr W has complained that Bank of Scotland plc (“BOS”) lent to him irresponsibly by increasing his overdraft limit over a short period of time when there was evidence of gambling. What happened Mr W successfully applied online for an overdraft with a limit of £50 i... (3 pages)View decision -
Decision Reference DRN5856257
15 May 2019 Nationwide Building Society Not upheldBanking and creditMr R complains that Nationwide Building Society was irresponsible in providing him with three loans between 2010 and 2011.backgroundMr R applied to Nationwide for a fixed term loan of £8,000 in November 2010 (loan 1). In June 2011 Nationwide agreed another loan of £10,00... (3 pages)View decision -
Decision Reference DRN9307909
5 Aug 2019 Barclays Bank UK PLC Not upheldBanking and creditMr S complains about how Barclays Bank UK PLC has dealt with his financial difficulties.backgroundMr S says he took out a Barclays loan but has experienced financial difficulties following an accident. He says he asked Barclays to increase his overdraft in April 2018 and again some months ... (2 pages)View decision -
Decision Reference DRN2707521
7 Jan 2019 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited was irresponsible when it opened a credit card account for him and then increased the credit limit.backgroundMr S opened a credit card account with Vanquis in March 2011. It then increased the limit even though he says he’d... (2 pages)View decision
