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-3518007
17 Jun 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3518007 The complaint Mr V complains that AvantCredit of UK, LLC lent to him irresponsibly. What happened Mr V took two loans. Here is a brief table of the loans approved for him. We have a little information about loan 1 from Mr V and we have not received any information about loan 1 ... (4 pages)View decision -
Decision Reference DRN2746828
31 Jul 2019 NewDay Ltd UpheldBanking and creditMr W complains that NewDay Ltd (trading as Marbles) was irresponsible when it increased the credit limit on his credit card account. backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 9 July 2019 – a copy of which is attach... (5 pages)View decision -
Decision Reference DRN2125227
19 Sep 2018 HSBC Bank plc Not upheldBanking and creditMiss T complains that HSBC Bank Plc (HSBC) should not have approved her credit card application as she had multiple pay day loans, a low credit score, missed payments on her credit file and had a history of gambling. backgroundMiss T applied to HSBC for a credit ... (2 pages)View decision -
Decision Reference DRN-4143388
2 Aug 2023 Shelby Finance Ltd Not upheldConsumer CreditDRN-4143388 The complaint Mr H complains that Shelby Finance Ltd, trading as Dot Dot Loans (“Shelby”) lent to him irresponsibly. What happened Using information from Shelby here is a loan table giving some details of the approved loans: Loan Approved Amount Repayments in months repaid 1 20... (4 pages)View decision -
Decision Reference DRN-3714094
25 Nov 2022 Next Retail Limited UpheldConsumer CreditDRN-3714094 The complaint Miss B complains that Next Retail Ltd (“Next”) irresponsibly granted her credit for a catalogue account that she couldn’t afford to repay. What happened Miss B entered into an agreement with Next to have access to credit with a Next catalogue account in January 20... (4 pages)View decision -
Decision Reference DRN2043096
20 Feb 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs C complain that The Royal Bank of Scotland Plc (“RBS”) wrongly rejected Mrs C’s claim for a refund of payments from their joint account which she says were made by a fraudster. They also complain that RBS closed their joint account earlier than it had sai... (2 pages)View decision -
Decision Reference DRN2445625
22 Nov 2018 Western Circle Limited UpheldBanking and creditMr S complains that Western Circle Ltd (trading as Cash Float) gave him loans that he couldn’t afford to repay. Mr S is represented by a claims management company. His representative says Cash Float should refund the sums advanced as well as interest and charges and rem... (2 pages)View decision -
Decision Reference DRN-3162005
16 Nov 2021 TFS Loans Limited Not upheldConsumer CreditDRN-3162005 The complaint Mr K complains TFS Loans Limited lent to him irresponsibly. What happened In May 2016 Mr K applied for, and was given a loan for £4,000, which was repayable over a period of 48 months. The repayments were around £170 a month, and in total Mr K agreed to pay back j... (5 pages)View decision -
Decision Reference DRN-4489859
1 Dec 2023 Yorkshire Building Society Not upheldBanking and PaymentsDRN-4489859 The complaint Mrs H complains about the lack of management and oversight of her bank account with a business owned by Yorkshire Building Society. Mrs H is elderly and is represented by her daughter who has power of attorney. I have just referred to Yorkshire in this decision. W... (5 pages)View decision -
Decision Reference DRN-1615880
27 Feb 2020 FCL Consumer Finance Ltd Not upheldConsumer CreditDRN-1615880ComplaintMrs S says FCL Consumer Finance Ltd (trading as Smart-Pig.com) lent to her irresponsibly.BackgroundI sent Mrs S and Smart-Pig my provisional findings on this complaint on 24 February 2020. I asked both parties to let me know if there was anything else they wanted me to ... (4 pages)View decision
