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 DRN8793286
2 Jan 2019 Admiral Financial Services Ltd Not upheldBanking and creditMr B and his representative complain that Admiral Financial Services Ltd irresponsibly loaned him money and they’re also unhappy that it’s said it will apply for a charge over his property even though he’s now in a debt management plan.backgroundIn May 2018 Mr B applied... (3 pages)View decision -
Decision Reference DRN-2712343
4 Jun 2021 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2712343 The complaint Miss M complains that Capital One (Europe) plc (Cap One) lent to her irresponsibly. What happened Miss M had three cards provided by Cap One. The limit on the second card was also increased: Date Limit Card A – April 2015 £200 (closed February 2017) Card B – June ... (3 pages)View decision -
Decision Reference DRN-2916184
16 Jul 2021 Oakbrook Finance Limited Not upheldConsumer CreditDRN-2916184 The complaint Mrs O thinks that Oakbrook Finance Limited trading as Likely Loans, treated her unfairly when it lent her money in January 2018. What happened In January 2018, Likely Loans lent Mrs O £2,500, which Mrs O agreed to repay, with interest, over 24 months. The monthly ... (3 pages)View decision -
Decision Reference DRN-4999288
4 Sep 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4999288 The complaint Mr D says Zopa Bank Limited irresponsibly lent to him. What happened Mr D took out a credit card from Zopa in February 2023. He was given a credit limit of £1,000. He says he should not have been given the card as he had recently opened four new accounts and he... (3 pages)View decision -
Decision Reference DRN9183847
17 Feb 2018 Santander UK Plc Not upheldBanking and creditMr D complains Santander UK Plc has refused to attempt a chargeback for deposits he made for binary options. He is being represented in his complaint by Mr T. backgroundMr D opened a binary account in 2016 with a business which I’ll call “G”. Between September 201... (3 pages)View decision -
Decision Reference DRN-1585797
18 Dec 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-1585797 The complaint Mr G complains that National Westminster Bank Plc (“NatWest”) gave him a loan when it shouldn’t have. What happened In late June 2014 Mr G says that he approached NatWest as he needed some help with his overdraft. After discussions with NatWest, he took out a loan... (3 pages)View decision -
Decision Reference DRN-4777318
23 Aug 2024 Fluent Money Limited UpheldMortgagesDRN-4777318The complaint Miss F's complaint is about the advice she received from Fluent Money Limited trading as Fluent Money in 2020 to take out a second charge mortgage. As it has been concluded t\<br />View decision
hat the lender should not have agreed to lend, Miss F thinks Fluent should ... (6 pages) -
Decision Reference DRN3798512
18 Apr 2019 Retail Money Market Ltd Not upheldBanking and creditMr P complains that Retail Money Market Ltd (trading as RateSetter) did not carry out adequate affordability checks before lending to him and provided him with money he couldn’t afford to repay. He also complains that a large arrangement fee was added to the loan.bac... (4 pages)View decision -
Decision Reference DRN-3553735
6 Jul 2022 Oakbrook Finance Limited UpheldConsumer CreditDRN-3553735 The complaint Mr A complains that OAKBROOK FINANCE LIMITED trading as Likely Loans lent him money on high cost loans which he couldn’t afford to repay. What happened Likely Loans provided Mr A with the following loans: Date of loan Amount Term Instalment* Date repaid Loan 1 13/... (4 pages)View decision -
Decision Reference DRN-4868798
27 Jun 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4868798 The complaint Mr Z complains Lloyds Bank PLC (“Lloyds”) refuses to refund him for transactions on his account he says he didn’t authorise. What happened The facts of this case are well known to both parties, so I won’t repeat them in detail here. In summary, Mr Z says his phone... (3 pages)View decision
