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 5520 results
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Decision Reference DRN-1671537
30 Apr 2020 PDL Finance Limited Not upheldConsumer CreditDRN-1671537 The complaintMr T complains that PDL Finance Limited (trading as Mr Lender) was irresponsible to lend to him. What happenedMr T had three loans from Mr Lender between February 2015 and August 2016 as follows:Loan Date AmountTermMax Monthly Repayment DueRepaid 117 Feb 2015£5006m... (2 pages)View decision -
Decision Reference DRN-4610139
14 Feb 2024 Lloyds Bank PLC Not upheldConsumer CreditDRN-4610139 Complaint Mr M has complained about a personal loan Lloyds Bank PLC (“Lloyds”) provided to him. He says that the loan was unaffordable. Background Mr M also complained about credit cards which Lloyds provided to him. But we’ve already provided him with an answer on that separat... (3 pages)View decision -
Decision Reference DRN0534133
11 Feb 2020 Avantcredit Of Uk, Llc Not upheldBanking and creditMr L complains AvantCredit of UK, LLC (“AvantCredit”) acted irresponsibly when they lent him money.backgroundMr L brought his concerns to us as he was unhappy with the response he received from AvantCredit when complained to them about the loan of £5000 taken on 26 May 2017.AvantCredit did... (2 pages)View decision -
Decision Reference DRN9849725
26 Jul 2017 IG Markets Limited Not upheldInvestment and pensionsMr B has complained that IG Markets Limited failed to stop his spread betting getting out of control. He says they only helped him when he told them he had run up large debts and it was too late. He feels he would not have got into this situation if IG’s systems ... (2 pages)View decision -
Decision Reference DRN-4109743
11 Aug 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4109743 The complaint Mr B complains that Valour Finance Limited, trading as Savvy.co.uk (“Valour”), lent to him when he could not afford it. What happened In March 2022 Mr B was approved for one loan of £700 repayable over eight months at just over £168 each month commencing April 202... (3 pages)View decision -
Decision Reference DRN-5160950
24 Apr 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5160950 The complaint Mr S complains that Lloyds Bank PLC did not seek the return of money he had paid to a gambling website, even though he did not receive the service he had paid for. What happened In October 2023 Mr S made debit card three payments – two of £500 and one of £1,000... (2 pages)View decision -
Decision Reference DRN-2809126
25 May 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2809126 The complaint Mr C complains that Barclays Bank UK PLC trading as Barclaycard irresponsibly allowed him to open a credit card account. What happened Mr C says Barclaycard should not have allowed him to open a credit card account and its decision to do so was irresponsible. He s... (2 pages)View decision -
Decision Reference DRN-4727493
23 Apr 2024 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4727493 The complaint Mr B complains that Clydesdale Bank Plc trading as Virgin Money lent irresponsible when it approved his credit card application and later increased the credit limit. What happened Mr B applied for a credit card in September 2019. In Mr B’s application, he said he ... (3 pages)View decision -
Decision Reference DRN0402526
31 Jul 2020 Oakam Ltd UpheldBanking and creditMr B complains that Oakam Ltd lent to him irresponsibly.backgroundUsing information from Oakam and Mr B I have compiled a Loan Table. I’ve tried to be as accurate as I can but there are several refinancing arrangements, combined with additional fees at each stage. This Loan Table is for ea... (6 pages)View decision -
Decision Reference DRN6485550
22 Aug 2019 Nationwide Building Society Not upheldBanking and creditMr F complains that Nationwide Building Society (Nationwide) allowed over £51,000 to debit his account without his authority or consent. He’s unhappy that Nationwide has refused to refund these disputed transactions.backgroundMr F opened a current account with Nationwide on 15 May 2017. Mr... (5 pages)View decision