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-3201648
11 Feb 2022 Oakbrook Finance Limited Not upheldConsumer CreditDRN-3201648 The complaint Mr M complains that Oakbrook Finance Limited (trading as Likely Loans) acted irresponsibly by granting him a loan that was unaffordable. What happened In February 2019, Mr M took out a loan for £2,000 with Likely Loans. The loan was to be repaid over 36 months wit... (3 pages)View decision -
Decision Reference DRN-2456040
18 Jan 2021 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-2456040 The complaint Mr K complains that The Co-operative Bank Plc has unfairly registered a marker at CIFAS the national fraud database. What happened Mr K contacted The Co-op in December 2018 to say that he didn’t recognise three payments made using his debit card in October 2018. T... (3 pages)View decision -
Decision Reference DRN-4237622
3 Aug 2023 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4237622 The complaint Miss B has complained that The Royal Bank of Scotland Plc (“RBS”) acted irresponsibly by providing her with a £250 overdraft. What happened Miss B successfully applied online for an overdraft with a limit of £250 in November 2017. All overdraft applications after... (3 pages)View decision -
Decision Reference DRN9307909
5 Aug 2019 Barclays Bank UK PLC Not upheldBanking and creditMr S complains about how Barclays Bank UK PLC has dealt with his financial difficulties.backgroundMr S says he took out a Barclays loan but has experienced financial difficulties following an accident. He says he asked Barclays to increase his overdraft in April 2018 and again some months ... (2 pages)View decision -
Decision Reference DRN5856257
15 May 2019 Nationwide Building Society Not upheldBanking and creditMr R complains that Nationwide Building Society was irresponsible in providing him with three loans between 2010 and 2011.backgroundMr R applied to Nationwide for a fixed term loan of £8,000 in November 2010 (loan 1). In June 2011 Nationwide agreed another loan of £10,00... (3 pages)View decision -
Decision Reference DRN-4112767
5 Jun 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4112767 The complaint Mr W has complained that Bank of Scotland plc (“BOS”) lent to him irresponsibly by increasing his overdraft limit over a short period of time when there was evidence of gambling. What happened Mr W successfully applied online for an overdraft with a limit of £50 i... (3 pages)View decision -
Decision Reference DRN-4252932
6 Nov 2023 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-4252932 Complaint Mr H has complained about a loan Brent Shrine Credit Union Limited trading as My Community Bank (“MCB”) provided to him. He says that he had historic issues with debt and gambling which would have been apparent had sufficient checks for a loan of such a large amount b... (3 pages)View decision -
Decision Reference DRN-4358139
4 Oct 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4358139 The complaint Mr H complained to Barclays Bank UK PLC (“Barclays”) in August 2022 about an increased overdraft facility that was granted to him in March 2022. Mr H says Barclays acted irresponsibly in providing him with the increased overdraft facility, that it was unaffordable... (3 pages)View decision -
Decision Reference DRN5370596
11 Apr 2018 Barclays Bank Plc Not upheldBanking and creditMr G complains that Barclays Bank Plc, trading as Barclaycard, acted irresponsibly by allowing him to open a credit card account, and then by increasing his credit limit.backgroundMr G applied for the credit card account in 2011. He says he had a poor credit histor... (2 pages)View decision -
Decision Reference DRN9243410
29 Jan 2018 Lending Stream Llc UpheldBanking and creditMr W complains that Lending Stream LLC lent money to him that he could not afford to repay.backgroundMr W took out twenty loans with Lending Stream between March 2014 and December 2015. He says that the loans were unaffordable and that Lending Stream did not carry out ... (3 pages)View decision
