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 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 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 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-3261143
10 Feb 2022 Oakbrook Finance Limited Not upheldConsumer CreditDRN-3261143 The complaint Miss B complains that Oakbrook Finance Limited, trading as Likely Loans provided lending to her which was unaffordable and irresponsible. What happened Miss B borrowed £4500 from Likely Loans in June 2019. It was payable over 60 months at £115.06 per month. Miss ... (2 pages)View decision -
Decision Reference DRN4991121
11 Jul 2017 Uncle Buck Finance LLP UpheldBanking and creditMiss M complains that Uncle Buck Finance LLP gave her unaffordable payday loans. She wants a refund with interest.backgroundMiss M had five loans from Uncle Buck between October 2015 and September 2016. She said Uncle Buck didn’t carry out proper affordability checks bef... (2 pages)View decision -
Decision Reference DRN-4273156
31 Jul 2023 Blue Motor Finance Ltd UpheldConsumer CreditDRN-4273156 The complaint Mr W has complained about a hire purchase agreement he had with Blue Motor Finance Ltd (BMF). He says he shouldn’t have been given the agreement. What happened In March 2020 Mr W entered into a 5-year hire purchase agreement with BMF to acquire a car. The car cost... (4 pages)View decision -
Decision Reference DRN0064054
5 Jul 2017 MEM Consumer Finance Limited UpheldBanking and creditMr G complains that MEM Consumer Finance Limited (trading as Payday UK) lent him money he couldn’t afford to repay.backgroundMr G took out a number of loans with Payday UK between 2012 and 2015. He says he borrowed to support his gambling habit. Payday UK told Mr G it h... (2 pages)View decision -
Decision Reference DRN-3447590
26 Apr 2022 Shelby Finance Ltd UpheldConsumer CreditDRN-3447590 The complaint Mr O complains that the loans he had from Shelby Finance Ltd (trading as Dot Dot Loans) were unaffordable. What happened Mr O had three loans from Dot Dot Loans between January 2020 and September 2020 as follows: Loan Date Amount Term Monthly Repayment Due Repaid ... (3 pages)View decision -
Decision Reference DRN-4489859
1 Dec 2023 Yorkshire Building Society Not upheldBanking and PaymentsDRN-4489859 The complaint Mrs H complains about the lack of management and oversight of her bank account with a business owned by Yorkshire Building Society. Mrs H is elderly and is represented by her daughter who has power of attorney. I have just referred to Yorkshire in this decision. W... (5 pages)View decision -
Decision Reference DRN-5344892
11 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5344892 The complaint Mr S complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr S applied for a credit card with Vanquis in May 2016. In his application Mr S said he had an income ... (3 pages)View decision
