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-5126495
29 Nov 2024 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-5126495 The complaint Miss L has complained that Sainsbury’s Bank Plc (“Sainsbury’s”) irresponsibly gave her a personal loan. She said that she was provided with this loan when she was struggling with a severe gambling addiction. What happened Sainsbury’s provided Miss L with a loan... (3 pages)View decision -
Decision Reference DRN9166734
16 Jan 2020 Uncle Buck Finance LLP UpheldBanking and creditMrs B says Uncle Buck Finance LLP irresponsibly lent to her.background This complaint is about 3 instalment loans Uncle Buck Finance provided to Mrs B between 13 February 2018 and 1 April 2018. Mrs B’s borrowing history with Uncle Buck Finance was as follows:Type of LoanLoan numberLoan a... (3 pages)View decision -
Decision Reference DRN-1312885
9 Jul 2020 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-1312885 The complaintMr K complains that HSBC UK Bank Plc irresponsibly increased the credit limit on his credit card. What happenedIn July 2014, Mr K had a credit card and a current account with HSBC. The credit card had a credit limit of £8,500, and in that month HSBC offered to inc... (3 pages)View decision -
Decision Reference DRN-5172961
2 Jan 2025 Zempler Bank Limited Not upheldBanking and PaymentsDRN-5172961 The complaint Mrs K has complained that Zempler Bank Limited trading as Cashplus acted irresponsibly when it provided her with a credit card in June 2023. Background Mrs K applied for a credit card with Cashplus in June 2023. Her application was approved, and she was given a... (3 pages)View decision -
Decision Reference DRN3525727
12 Feb 2019 Uncle Buck Finance LLP UpheldBanking and creditMr T complains that Uncle Buck Finance LLP was irresponsible to lend to him. He asks that it admits this and compensates him.backgroundMr T took out seven loans with Uncle Buck between January 2015 and January 2016 as follows: loan 1 for £400 taken out on 26 Januar... (6 pages)View decision -
Decision Reference DRN-4859771
20 Jun 2024 Advantage Finance Ltd UpheldConsumer CreditDRN-4859771 The complaint Mrs C complains Advantage Finance Ltd (AFL) didn’t sufficiently check whether she could sustain the repayments. And so acted irresponsibly in lending to her as she said the loan was unaffordable. In bringing her complaint Mrs C is represented by a third party. For... (5 pages)View decision -
Decision Reference DRN-2808045
23 Feb 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2808045 The complaint Ms M complains that Barclays Bank UK PLC (Barclays) failed to refund transactions she didn’t recognise. What happened On 9 June 2020 Ms M reported disputed transactions on her account from 7 and 8 June 2020. The disputed transactions related to two betting compani... (4 pages)View decision -
Decision Reference DRN-3694457
10 Oct 2022 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-3694457 The complaint Mr G is complaining that Hitachi HC Capital UK PLC trading as Hitachi Personal Finance lent to him when it shouldn’t have. What happened Hitachi lent Mr G one loan in July 2016. The loan was for £7,350 to be repaid in 60 monthly instalments of £156.29. In May 2019... (2 pages)View decision -
Decision Reference DRN-4754759
28 Aug 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4754759 The complaint Mr D has complained Monzo Bank Ltd won’t refund him for various disputed transactions. What happened In February 2024 Mr D contacted Monzo to complain about 17 transactions he didn’t recognise. These included a mix of cash machine withdrawals along with gamblin... (2 pages)View decision -
Decision Reference DRN9821034
15 May 2019 Uncle Buck Finance LLP Not upheldBanking and creditMr H complains that Uncle Buck Finance LLP lent him money he couldn’t afford to repay.backgroundMr H took out three loans with Uncle Buck as follows: Nodate applied for loanamountinstalmentsRepayment date107/01/2018£2002 @ £96, 1 @ £9431/01/2018214/04/2018£5003 @ £190, 1... (2 pages)View decision
