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 5125 results
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Decision Reference DRN-2943460
27 Jul 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2943460 The complaint Mr S complains of irresponsible credit increases to his account by Vanquis Bank Limited (Vanquis). He would like all charges applied to his account since 2014 refunded. And any negative information on his credit file amended What happened Mr S says he took out a ... (4 pages)View decision -
Decision Reference DRN9588077
22 May 2018 Uncle Buck Finance LLP UpheldBanking and creditMr G complains that the loans he had from Uncle Buck Finance LLP were unaffordable and trapped him in a debt spiral.backgroundMr G had ten loans from Uncle Buck between March 2015 and November 2016 as follows:Loan Date TermAmount Due Payment Status 102 Mar 201526d£2502... (3 pages)View decision -
Decision Reference DRN6385369
16 Feb 2018 Gain Credit LLC UpheldBanking and creditMr S complains Gain Credit LLC (trading as Lending Stream) lent to him irresponsibly.backgroundMr S took 39 loans with Lending Stream between September 2015 and June 2017, borrowing £11,230 in total. Mr S repaid all of these loans successfully, but at the end of June... (5 pages)View decision -
Decision Reference DRN-3347726
15 Mar 2022 Lloyds Bank PLC Not upheldConsumer CreditDRN-3347726 The complaint Mr H complains that Lloyds Bank plc acted irresponsibly when it provided him with a loan and then increased the loan amount a few months later. What happened Mr H says Lloyds offered him a loan in September 2018. The loan amount was £7,000. He says at that time he... (5 pages)View decision -
Decision Reference DRN1302381
28 Jan 2019 Lloyds Bank PLC Not upheldBanking and creditMr C complains that Lloyds Bank PLC was irresponsible in their lending decisions when they agreed to offer him continual loans despite his other borrowing.backgroundMr C held a current account with Lloyds since 2006. In 2011, he successfully applied for an overdraft. ... (3 pages)View decision -
Decision Reference DRN-3430312
3 May 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3430312 Complaint Mr B has complained about an overdraft which was provided to him by Bank of Scotland plc (trading as “Halifax”) on his current account. He’s said that he had a gambling problem which would have been apparent to Halifax had it carried out proportionate checks. And in t... (18 pages)View decision -
Decision Reference DRN-5424615
3 Apr 2025 The Co-operative Bank Plc UpheldBanking and PaymentsDRN-5424615 The complaint Mr B is unhappy that The Co-operative Bank Plc (“Co-op”) refused his account application, which he believes is due to the lack of gambling blocks they provide. What happened I issued a second provisional decision on this complaint, inviting both parties to let... (3 pages)View decision -
Decision Reference DRN-4217839
30 Jun 2023 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-4217839 The complaint Mr S complains that American Express Services Europe Limited (Amex) lent to him irresponsibly. What happened In February 2022, Mr S applied for a credit card from Amex. It was agreed with a limit of £8,000. Minimum payments (or more) were made until September 2022... (4 pages)View decision -
Decision Reference DRN-2876025
23 Jun 2021 Commsave Credit Union Limited UpheldConsumer CreditDRN-2876025 The complaint Mr P complains about loans provided to him by Commsave Credit Union Limited (“Commsave”) which he says was unaffordable. What happened The background of this complaint is well known to both parties and has been detailed by our investigator previously. So, I’ll sum... (4 pages)View decision -
Decision Reference DRN-2968331
11 Aug 2021 Carcashpoint Limited UpheldConsumer CreditDRN-2968331 The complaint Mr W says CarCashPoint Limited lent to him irresponsibly. What happened Mr W borrowed £850 from CarCashPoint on 23 December 2014. The loan had a 156-week term, the weekly repayments were £25.07 and the total repayable was £3910.93. As Mr W was unable to make his r... (3 pages)View decision
