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 DRN-3309268
11 Feb 2022 Bamboo Limited UpheldConsumer CreditDRN-3309268 The complaint Mr H has complained that Bamboo Limited (“Bamboo”) provided him with three unaffordable loans. What happened Bamboo provided Mr H with three loans. The details are provided below: Loan Date Capital Amount Term in months Monthly repayment 1 05/10/2015 £1000.00 12 £... (4 pages)View decision -
Decision Reference DRN-4400928
16 Oct 2023 Zopa Bank Limited UpheldConsumer CreditDRN-4400928 The complaint Mr G has complained that Zopa Bank Limited acted irresponsibly when it provided him with both a hire purchase agreement and an unsecured personal loan in 2021. What happened Mr G applied for a hire purchase agreement for £5,000 in June 2021 and an unsecured person... (4 pages)View decision -
Decision Reference DRN4798035
2 Oct 2019 Lloyds Bank PLC Not upheldBanking and creditComplaintMr S complains about Lloyds Bank PLC’s decision to increase his overdraft limit. Background The background to this complaint and my initial conclusions were set out in my provisional decision dated 19 August 2019 - a copy of which is attached and forms part of this decision. In my... (5 pages)View decision -
Decision Reference DRN1982344
7 Oct 2015 Nationwide Building Society Not upheldBanking and creditMr K, on behalf of his son, says Nationwide Building Society approved three loans totalling £16,000 in less than two months. He says this can’t be responsible lending (the money has all been spent on gambling). He wants Nationwide to accept some responsibility by w... (2 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 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 DRN7532560
15 Apr 2019 PDL Finance Limited UpheldBanking and creditMr B complains that PDL Finance Limited, trading as Mr Lender, gave him loans that he couldn’t afford to repay.backgroundMr B took out eight loans with Mr Lender between March and October 2014, as follows:loan number date taken amount borrowed date repaid112 March 2014 ... (3 pages)View decision -
Decision Reference DRN-5035937
2 Oct 2024 Bamboo Limited Not upheldConsumer CreditDRN-5035937 Complaint Mr M has complained about a loan Bamboo Limited (“Bamboo”) provided to him. He says that the loan was not affordable given his existing debts and his gambling. Background Bamboo provided Mr M with a loan for £3,000.00 in March 2022. The total amount to be repaid o... (3 pages)View decision -
Decision Reference DRN-3774867
10 Nov 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3774867 The complaint Mr P says HSBC UK Bank Plc (“HSBC”) acted irresponsibly by allowing him a £750 overdraft because the account was mainly used for gambling transactions. What happened One of our adjudicators looked into Mr P’s concerns and didn’t think there was anything within the... (3 pages)View decision -
Decision Reference DRN-4179741
14 Jun 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-4179741 The complaint Mr M complains that Loans 2 Go Limited lent to him when it shouldn’t have. What happened I Issued a provisional decision in May 2023 where I set out a detailed background to this complaint. That decision should be read in conjunction with this as it forms part of ... (3 pages)View decision