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-4201805
14 Aug 2023 HSBC UK Bank Plc UpheldConsumer CreditDRN-4201805 The complaint Mr R complains HSBC UK Bank Plc lent to him irresponsibly when they approved two loans. What happened The details of this complaint are well-known to both parties, so I won’t repeat them again here. The facts aren’t in dispute, so I’ll focus on giving the reasons ... (2 pages)View decision -
Decision Reference DRN6330674
28 Jan 2020 PayPal Europe Sarl & Cie, SCA UpheldBanking and creditMr R has complained PayPal Europe Sarl & Cie, SCA won’t refund him for gambling transactions which he didn’t make.backgroundIn June 2018 Mr R (under his previous name of Mr T) brought a complaint to the ombudsman service. He’d complained to PayPal about sets of gambling transactions. H... (2 pages)View decision -
Decision Reference DRN4998577
20 Nov 2017 Everyday Lending Limited Not upheldBanking and creditMr G complains that Everyday Lending Limited provided him with a loan that was unaffordable.backgroundMr G took out a £4,500 loan with Everyday Lending in May 2016. The loan had a 36 month term with repayments of £327.45 a month.Mr G says that at the time of the loan ... (2 pages)View decision -
Decision Reference DRN-4253954
8 Sep 2023 Chetwood Financial Limited Not upheldConsumer CreditDRN-4253954 The complaint Mr W complains that Chetwood Financial Limited, trading as LiveLend, lent to him irresponsibly when it gave him a fixed sum loan agreement which he says he couldn’t afford. What happened Mr W took out a loan agreement with LiveLend for £8,000 in May 2020. He settl... (3 pages)View decision -
Decision Reference DRN-4196892
1 Sep 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4196892 The complaint Mr C complains that FUND OURSELVES LIMITED (“FOL”) lent to him when he could not afford it. He says that if it had carried out proper checks it would have realised that he gambled and so FOL should not have lent to him. What happened Mr C was approved for one loan... (3 pages)View decision -
Decision Reference DRN-3423311
7 Apr 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3423311 The complaint Mr B complains about two personals loan provided to him by Loans 2 Go limited, (“L2G”) which he says were unaffordable. What happened L2G provided Mr B with two loans. The details are given below: Number Date taken amount term Monthly repayment Repaid 1 15/10/2020... (4 pages)View decision -
Decision Reference DRN-4022839
14 Mar 2023 Nationwide Building Society UpheldConsumer CreditDRN-4022839 The complaint Mr O complains that the loan he had from Nationwide Building Society was unaffordable. What happened Mr O borrowed £10,000 from Nationwide in September 2021. The loan was due to be repaid in 60 monthly instalments of £202.32. Mr O says the loan was unaffordable as... (3 pages)View decision -
Decision Reference DRN0691661
20 Dec 2016 Uncle Buck Finance LLP Not upheldBanking and creditMr L complains about six payday loans he took out with Uncle Buck Finance LLP. He says he couldn’t really afford the loans and Uncle Buck Finance should never have agreed to lend him the money. backgroundMr L took out six short term loans with Uncle Buck Finance.... (2 pages)View decision -
Decision Reference DRN4308512
2 Mar 2020 TSB Bank plc Not upheldBanking and creditComplaintMr M has complained that TSB Bank Plc won’t refund unauthorised transactions and that it failed to make a reasonable adjustment.BackgroundMr M is deaf. He requires a British Sign Language interpreter when talking to others. He uses the Next Generation Text (NGT) relay service to m... (3 pages)View decision -
Decision Reference DRN-3656321
18 Aug 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3656321 The complaint Mr K has complained that National Westminster Bank PLC (NatWest) won’t refund him for disputed transactions he didn’t make or authorise. What happened Mr K has a current account with NatWest. Between 28 March and 28 April 2020 Mr K’s debit card was used to make se... (3 pages)View decision
