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-1975051
15 Sep 2020 Mobile Money Limited UpheldConsumer CreditDRN-1975051The complaintMiss K has complained that Mobile Money Limited irresponsibly provided her with an unaffordable loan. What happenedMiss K was given a logbook loan by Mobile Money in April 2018 for £4,000. The loan was secured against a vehicle that she owned. Miss K’s loan was to b... (4 pages)View decision -
Decision Reference DRN-3612190
1 Dec 2022 TSB Bank plc Not upheldBanking and PaymentsDRN-3612190 The complaint Mr P complains TSB Bank plc stopped his debit card without sending a text message, as they’d done previously. What happened Mr P holds a current account with TSB. Early in May 2022, he was using his card to fund gambling transactions. He says this is something he ... (3 pages)View decision -
Decision Reference DRN-3421653
20 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3421653 The complaint Mr L complains that NewDay Ltd trading as Marbles Card irresponsibly allowed him to open a credit card account and later increased the credit limit to unaffordable levels. What happened Mr L says he opened the Marbles account in 2015 and at the time had a number o... (2 pages)View decision -
Decision Reference DRN-3357831
24 May 2022 Lendable Ltd Not upheldConsumer CreditDRN-3357831 The complaint Mr E says Lendable Ltd irresponsibly lent to him. What happened This complaint is about a 36-month instalment loan for £1,550 that Lendable provided to Mr E on 12 March 2021. The monthly repayments were £73.73 and the total repayable was £2,597.45. Mr E says Lenda... (3 pages)View decision -
Decision Reference DRN-2916184
16 Jul 2021 Oakbrook Finance Limited Not upheldConsumer CreditDRN-2916184 The complaint Mrs O thinks that Oakbrook Finance Limited trading as Likely Loans, treated her unfairly when it lent her money in January 2018. What happened In January 2018, Likely Loans lent Mrs O £2,500, which Mrs O agreed to repay, with interest, over 24 months. The monthly ... (3 pages)View decision -
Decision Reference DRN-2712343
4 Jun 2021 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2712343 The complaint Miss M complains that Capital One (Europe) plc (Cap One) lent to her irresponsibly. What happened Miss M had three cards provided by Cap One. The limit on the second card was also increased: Date Limit Card A – April 2015 £200 (closed February 2017) Card B – June ... (3 pages)View decision -
Decision Reference DRN8793286
2 Jan 2019 Admiral Financial Services Ltd Not upheldBanking and creditMr B and his representative complain that Admiral Financial Services Ltd irresponsibly loaned him money and they’re also unhappy that it’s said it will apply for a charge over his property even though he’s now in a debt management plan.backgroundIn May 2018 Mr B applied... (3 pages)View decision -
Decision Reference DRN-4999288
4 Sep 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4999288 The complaint Mr D says Zopa Bank Limited irresponsibly lent to him. What happened Mr D took out a credit card from Zopa in February 2023. He was given a credit limit of £1,000. He says he should not have been given the card as he had recently opened four new accounts and he... (3 pages)View decision -
Decision Reference DRN3951697
28 Oct 2020 Santander UK Plc Not upheldBanking and creditMr W has complained about how Santander UK Plc dealt with a claim he made under section 75 of the Consumer Credit Act 1974. background Mr W bought a educational/subscription package costing 2,999 US Dollars from a third party business, which I will call ‘B’, using his Santander credit card... (2 pages)View decision -
Decision Reference DRN9183847
17 Feb 2018 Santander UK Plc Not upheldBanking and creditMr D complains Santander UK Plc has refused to attempt a chargeback for deposits he made for binary options. He is being represented in his complaint by Mr T. backgroundMr D opened a binary account in 2016 with a business which I’ll call “G”. Between September 201... (3 pages)View decision
