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 DRN1923508
5 Feb 2019 Elevate Credit International Limited UpheldBanking and creditMr S complains that Elevate Credit International Limited trading as Sunny.co.uk lent him money that he couldn’t afford to repay.Mr S is represented in his complaint by a claims management company.background Mr S took out five instalment loans with Sunny between March and... (2 pages)View decision -
Decision Reference DRN-4707989
2 Apr 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4707989 The complaint Mr L complains that Zopa Bank Limited was irresponsible in its lending to him. Mr L is represented by a third party but for ease of reference I have referred to Mr L throughout this decision. What happened Mr L was provided with a £5,000 loan by Zopa in February 2... (2 pages)View decision -
Decision Reference DRN-3885339
25 Jan 2023 Madison CF UK Limited Not upheldConsumer CreditDRN-3885339 The complaint Miss D complains that Madison CF UK Limited trading as 118 118 Money lent to her when it shouldn’t have. What happened 118 118 Money lent Miss D two loans between January 2020 and April 2021, the details of the loans are as follows: Loan number Start date Loan amo... (2 pages)View decision -
Decision Reference DRN-3275239
25 Jan 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3275239 The complaint Mr W complains that Barclays Bank UK PLC trading as Barclaycard gave him a credit card with a limit of £800 without carrying out adequate checks. What happened In April 2016, Barclaycard gave Mr W a credit card with a limit of £800. He considers that it didn’t car... (4 pages)View decision -
Decision Reference DRN-1514171
21 Jan 2021 TFS Loans Limited UpheldConsumer CreditDRN-1514171 The complaint Mr G complains about a guarantor loan provided to him by TFS Loans Limited (“TFS”) which he says was unaffordable. What happened TFS provided Mr G with a loan of £10,000 on 12 January 2018. The loan was secured by a guarantor who would be responsible for repaying ... (5 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 -
Decision Reference DRN-3694457
10 Oct 2022 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-3694457 The complaint Mr G is complaining that Hitachi HC Capital UK PLC trading as Hitachi Personal Finance lent to him when it shouldn’t have. What happened Hitachi lent Mr G one loan in July 2016. The loan was for £7,350 to be repaid in 60 monthly instalments of £156.29. In May 2019... (2 pages)View decision -
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
