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 5830 results
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Decision Reference DRN0402526
31 Jul 2020 Oakam Ltd UpheldBanking and creditMr B complains that Oakam Ltd lent to him irresponsibly.backgroundUsing information from Oakam and Mr B I have compiled a Loan Table. I’ve tried to be as accurate as I can but there are several refinancing arrangements, combined with additional fees at each stage. This Loan Table is for ea... (6 pages)View decision -
Decision Reference DRN-1671537
30 Apr 2020 PDL Finance Limited Not upheldConsumer CreditDRN-1671537 The complaintMr T complains that PDL Finance Limited (trading as Mr Lender) was irresponsible to lend to him. What happenedMr T had three loans from Mr Lender between February 2015 and August 2016 as follows:Loan Date AmountTermMax Monthly Repayment DueRepaid 117 Feb 2015£5006m... (2 pages)View decision -
Decision Reference DRN7430294
30 Jun 2014 Barclays Bank Plc Not upheldBanking and creditMr B complains that Barclays Bank Plc will not refund disputed transactions made on his bank account.backgroundThe disputed transactions were all made through an online gambling website with which Mr B had an existing account in his name. Mr B reported the transactions to Barclays,... (2 pages)View decision -
Decision Reference DRN2398054
20 Aug 2018 Wirecard Card Solutions Limited UpheldBanking and creditMr T is unhappy that Wirecard Card Solutions Limited carried out a review and subsequently blocked his account. He says this has caused him a significant amount of distress due to the time he hasn’t had access to his money.backgroundMr T had an account with Wirecard. H... (2 pages)View decision -
Decision Reference DRN3604103
1 Nov 2017 Santander UK Plc Not upheldBanking and creditMr T complained about charges on his account with Santander UK Plc. He wants all charges refunded for the last six years, together with compensation for the effect the charges had had on him.backgroundMr T complained about charges which Santander had made to his c... (3 pages)View decision -
Decision Reference DRN-6017736
18 Mar 2026 Madison CF UK Limited Not upheldConsumer CreditDRN-6017736 The complaint Mr W complains that Madison CF UK Limited trading as 118 118 Money should not have given him a personal loan in December 2024. He says he was already in his overdraft a lot, had several other debts, and was struggling with gambling. He says the lender relied on... (2 pages)View decision -
Decision Reference DRN-4109743
11 Aug 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4109743 The complaint Mr B complains that Valour Finance Limited, trading as Savvy.co.uk (“Valour”), lent to him when he could not afford it. What happened In March 2022 Mr B was approved for one loan of £700 repayable over eight months at just over £168 each month commencing April 202... (3 pages)View decision -
Decision Reference DRN-5165750
13 Jan 2025 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-5165750 The complaint The estate of Mr H has complained The Co-operative Bank plc allowed a third party to be authorised to use their father’s account despite the signature being fraudulent. They also believe gambling transactions on the account went unnoticed by the bank and that t... (3 pages)View decision -
Decision Reference DRN-5102521
11 Nov 2024 Plata Finance Limited Not upheldConsumer CreditDRN-5102521 The complaint Mr H says Plata Finance Limited irresponsibly lent to him. What happened Mr H took out a £10,000 loan over 60 months from Plata on 25 March 2024. The monthly repayments were £232.53 and the total repayable was £13,951.62. Mr H says he took out a loan from Pla... (3 pages)View decision -
Decision Reference DRN0534133
11 Feb 2020 Avantcredit Of Uk, Llc Not upheldBanking and creditMr L complains AvantCredit of UK, LLC (“AvantCredit”) acted irresponsibly when they lent him money.backgroundMr L brought his concerns to us as he was unhappy with the response he received from AvantCredit when complained to them about the loan of £5000 taken on 26 May 2017.AvantCredit did... (2 pages)View decision