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-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-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 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 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-1395764
21 May 2020 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-1395764 The complaintMr G complains that HSBC UK Bank Plc (HSBC) irresponsibly allowed him to open an account with a £1,000 overdraft and also allowed him to spend in excess of that overdraft. What happenedOur investigator’s background summary covered all the relevant facts and issues,... (3 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-3550683
11 Aug 2022 Virgin Money Personal Financial Service Ltd Not upheldConsumer CreditDRN-3550683 The complaint Mr B complains that Virgin Money Personal Financial Service Ltd (‘Virgin’) irresponsibly gave him a loan without adequate checks. What happened On 26 May 2021, Mr B applied for a loan of £7,000 with Virgin. In 2021, Mr B brought a complaint to us about Virgin to s... (2 pages)View decision -
Decision Reference DRN-3742492
1 Nov 2022 HSBC UK Bank Plc Not upheldConsumer CreditDRN-3742492 The complaint Mr K complains that HSBC UK Bank Plc lent to him irresponsibly. What happened Mr K applied for a personal loan with HSBC in May 2016. The loan was for £20,000 repayable over a term of 60 months at £391.42 per month. Mr K complained to HSBC about its decision to pr... (2 pages)View decision -
Decision Reference DRN-3385832
19 Apr 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3385832 The complaint Mr H is unhappy that HSBC UK Bank Plc (“HSBC”) allowed him to go above his approved overdraft limit when he had informed it of a gambling addiction. What happened Mr H had an overdraft facility with HSBC with a formal limit of £200. At times HSBC allowed payments ... (2 pages)View decision -
Decision Reference DRN6813543
2 Jul 2018 Uncle Buck Finance LLP Not upheldBanking and creditMr F complains that Uncle Buck Finance LLP was irresponsible to lend to him as it failed to carry out appropriate checks before doing so.backgroundMr F had three instalment loans from Uncle Buck between December 2016 and July 2017:Loan Date AmountTermPayment Due Status ... (2 pages)View decision
