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 4733 results
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Decision Reference DRN-1979087
16 Oct 2020 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-1979087 The complaint Mr A complains that Brent Shrine Credit Union Limited has recorded a marker on CIFAS the national fraud database. What happened Mr A applied for a £15,000 loan from Brent Shrine. It requested he send supporting information including bank statements which he did on... (3 pages)View decision -
Decision Reference DRN-3707034
19 Dec 2022 TSB Bank plc UpheldBanking and PaymentsDRN-3707034 The complaint Mr G complains TSB Bank plc (“TSB”) provided an overdraft to him that was unaffordable. What happened In August 2014, Mr G applied for an overdraft facility of £1,500 for his current account. TSB approved this request. Following this, Mr G’s overdraft limit was in... (4 pages)View decision -
Decision Reference DRN-2956794
20 Sep 2021 Oplo PL Ltd UpheldConsumer CreditDRN-2956794 The complaint Mr T has complained that Oplo PL Ltd (trading as “1st Stop”) lent to him irresponsibly. What happened 1st Stop provided Mr T with a personal loan of £5,000.00 in July 2016. This loan had a 40- month term with a monthly repayment amount of £180.07. This all meant ... (5 pages)View decision -
Decision Reference DRN7965727
13 Nov 2019 National Westminster Bank Plc Not upheldBanking and creditMr O complains that National Westminster Bank Plc (“NatWest”) acted irresponsibly when it lent him money in 2013.background I issued my provisional decision to both parties on 24 October 2019. A copy of this is attached below and forms part of this final decision. In my provisional decisio... (5 pages)View decision -
Decision Reference DRN3761833
27 Mar 2021 Everyday Lending Limited UpheldBanking and creditIn summary, Mr T has complained that Everyday Lending Limited (ELL) provided him with a loan when he wasn’t able to afford it. background In December 2017 ELL gave Mr T a loan for £3,000 repayable over three years. It was a high interest loan with an interest rate of 149.3% APR. The total ... (5 pages)View decision -
Decision Reference DRN-3302610
11 Feb 2022 National Westminster Bank Plc Not upheldConsumer CreditDRN-3302610 The complaint Mrs D complains that National Westminster Bank Plc lent to her irresponsibly when it approved loans in 2017 and 2018. She is also unhappy that the bank hasn’t done what they said they would do to put things right. What happened The details of this complaint are we... (5 pages)View decision -
Decision Reference DRN2060087
8 Nov 2017 Emergency Cash Limited UpheldBanking and creditMiss L complains that Emergency Cash Limited (trading as wizzcash) gave her loans that she couldn’t afford to repay. She asks that it refunds interest and charges.backgroundMiss L took out an instalment loan with wizzcash in January 2017. The loan was repayable in three ... (2 pages)View decision -
Decision Reference DRN5782420
15 Mar 2016 The Royal Bank of Scotland Plc Not upheldBanking and creditMr W complains about the customer service he has received from the Royal Bank of Scotland Plc.backgroundMr W says he phoned RBS to check the balance on his account. But he struggled to understand the person he spoke to. So he asked to speak to someone else. When tha... (2 pages)View decision -
Decision Reference DRN-2704138
22 Mar 2021 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-2704138 The complaint Mr B complains that Monzo bank plc won’t refund disputed transactions made on his account totalling £7,500. What happened On the 6 January and 7 January 2020 disputed transactions totalling £7.500 were carried out using Mr B’s Monzo debit card. In total there were... (3 pages)View decision -
Decision Reference DRN-4037432
10 May 2023 Vodafone Limited UpheldConsumer CreditDRN-4037432 The complaint Mr G complains that two finance agreements that he took out with Vodafone Limited (“Vodafone”) were unaffordable and or that the decisions to lend to him were inappropriate. What happened Mr G took out two interest free finance agreements with Vodafone one in Augu... (5 pages)View decision
