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 4727 results
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Decision Reference DRN-4535254
11 Mar 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4535254 Complaint Mrs M has complained about an overdraft that TSB Bank plc (“TSB”) provided to her. She says the overdraft she was provided with was unaffordable for her. Background TSB provided Mrs M with an overdraft that had a limit of £500 in November 2020. The credit limit on the... (3 pages)View decision -
Decision Reference DRN-4522384
22 Apr 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4522384 The complaint Mr E complains that Zopa Bank Limited (“Zopa”) irresponsibly granted him two credit cards he couldn’t afford to repay. What happened In February 2022 Mr E entered into an agreement with Zopa to have access to credit by way of a credit card account. He was given a ... (2 pages)View decision -
Decision Reference DRN9818476
30 Nov 2018 Amigo Loans Ltd Not upheldBanking and creditMr M complains that Amigo Loans Ltd (“Amigo”) lent to him irresponsibly as he couldn’t afford the loans they provided. He had a gambling addiction at the time.backgroundMr M had four loans with Amigo, as follows:1. £2,200 taken out in July 2012 and settled in July ... (2 pages)View decision -
Decision Reference DRN-4674879
26 Apr 2024 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-4674879 The complaint Mr K complains that Sainsbury’s Bank Plc agreed two loans which were unaffordable for him. What happened On 29 June 2023 Sainsbury’s agreed to lend Mr K a £2,500 loan to be repaid over 60 months. The monthly loan repayment was £72.01 and the APR was 26.9%. The tot... (5 pages)View decision -
Decision Reference DRN5440551
14 Nov 2017 Gracombex Ltd Not upheldBanking and creditMrs W, on behalf of her son Mr W, complains that Gracombex Ltd (trading as The Money Platform) (TMP) lent him a peer to peer instalment loan that was unaffordable. She’s also unhappy with its systems and processes. Mrs W wants it to stop all interest and agree a re... (2 pages)View decision -
Decision Reference DRN2509152
7 Aug 2018 Vanquis Bank Limited Not upheldBanking and creditMs M complains that Vanquis Bank Limited gave her a credit card and increased balances which were unaffordable. She says it was irresponsible of Vanquis to do this.backgroundIn June 2011, Ms M applied for and was granted a credit card with Vanquis with an initial lim... (2 pages)View decision -
Decision Reference DRN-4195852
6 Jul 2023 Lendable Ltd Not upheldBanking and PaymentsDRN-4195852 The complaint Mr W complains that Lendable Ltd trading as Zable lent to him irresponsibly. What happened In September 2021 Mr W applied for a credit card with Zable. Zable approved the application and gave Mr W a card with an initial credit limit of £500. The credit limit was i... (2 pages)View decision -
Decision Reference DRN-4774513
1 May 2024 My Finance Club Limited UpheldConsumer CreditDRN-4774513 The complaint Mr M complains that My Finance Club Limited trading as Ondal.co.uk (“MFC”) gave him a loan without carrying out the correct affordability checks. Mr M says that had further checks been carried out MFC would’ve realised Mr M was already in a significant amount of d... (5 pages)View decision -
Decision Reference DRN2682615
30 Apr 2020 NewDay Ltd UpheldBanking and creditMr C complains that it was irresponsible of NewDay Ltd trading as Aqua to issue a credit card to him with a £300 credit limit and then later to increase that limit to £800.backgroundI set out the background to Mr C’s complaint in my provisional decision. In that decision I explained why I ... (4 pages)View decision -
Decision Reference DRN-3234743
4 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3234743 The complaint Mr D complains that NewDay Ltd was irresponsible when it opened a credit card account for him in June 2015, and then increased the credit limit from £600 to £1,500 in September 2015. Mr D said his financial situation was already extremely poor before this. What h... (3 pages)View decision
