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 5478 results
-
Decision Reference DRN7432855
14 Sep 2020 Retail Money Market Ltd Not upheldBanking and creditMr S is unhappy with Retail Money Market Ltd (trading as RateSetter). Mr S thinks it acted irresponsibly when it gave him a loan. Mr S said he shouldn’t have been given the loan as it was unaffordable, and he couldn’t pay it back.backgroundMr S borrowed £12,500 and in doing so agreed to re... (2 pages)View decision -
Decision Reference DRN-1563798
8 Jul 2020 Barclays Bank UK PLC Not upheldBanking and PaymentsComplaint Mr C complains that Barclays Bank UK PLC trading as Barclaycard (Barclays) acted irresponsibly when they allowed him to open a credit card account. Background Mr C has a credit card account with Barclays but feels that the card shouldn’t have been approved because when he applied... (3 pages)View decision -
Decision Reference DRN0967613
30 Apr 2021 Harvey & Thompson Limited UpheldBanking and creditMr A complains that Harvey & Thompson Limited continually agreed to accept items for pawn from him over a number of years, despite them knowing about his serious medical conditions and his gambling addiction. Mr A further complains that Harvey & Thompson Limited lent beyond the val... (6 pages)View decision -
Decision Reference DRN4219668
15 May 2018 SLL Capital Limited UpheldBanking and creditMiss A complains that SLL Capital Limited was irresponsible to lend her money as it didn’t do enough checks to make sure the repayments were affordable.backgroundMiss A had ten instalment loans from SLL Capital between August 2011 and October 2013 as follows:NoRef Date Loa... (3 pages)View decision -
Decision Reference DRN-2966680
5 Oct 2021 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2966680 The complaint Miss H is unhappy National Westminster Bank Plc (NatWest) didn’t reimburse her after she said she was the victim of fraud. What happened Miss H has disputed over 30 transactions that left her NatWest current account in March 2015, totalling more than £2,500. Miss ... (2 pages)View decision -
Decision Reference DRN5926832
14 Mar 2017 Santander UK Plc Not upheldBanking and creditMr S complains that Santander UK Plc didn’t contact him when his wife carried out a number of transactions from their joint accounts. And if it had, Mr S says he may have been able to prevent some of his loses. backgroundMr S held several joint accounts with his wi... (2 pages)View decision -
Decision Reference DRN-2390610
6 May 2021 Creation Financial Services Limited UpheldConsumer CreditDRN-2390610 The complaint Mr G complains Creation Financial Services Limited will not refund some disputed transactions. He also complains he was allowed to exceed the cash limit placed on the account. What happened In July 2019, Mr G contacted Creation about some transactions on his acco... (3 pages)View decision -
Decision Reference DRN-4185702
13 Jul 2023 Advantage Finance Ltd Not upheldConsumer CreditDRN-4185702 The complaint Mr C complains about the affordability of a hire purchase agreement provided by Advantage Finance Limited (Advantage). What happened In April 2017 Mr C acquired a used car through a hire purchase agreement with Advantage. The agreement ran for 42 months, Mr C was ... (3 pages)View decision -
Decision Reference DRN-2934875
5 Jan 2022 Oplo PL Ltd UpheldConsumer CreditDRN-2934875 The complaint Mr H complains Oplo PL Ltd lent to him irresponsibly. What happened Mr H took out a loan with Oplo, then trading under a different name, for £2000 to be repaid over a period of 36 months. The monthly repayment was £83.16, and the total cost of the borrowing was £2... (3 pages)View decision -
Decision Reference DRN9034148
27 Sep 2018 Barclays Bank Plc Not upheldBanking and creditMr P says it was irresponsible of Barclays Bank Plc (trading as Barclaycard) to increase his credit limit.backgroundMr P took out a Barclaycard in 2011. Barclays decreased the credit limit in 2012 after Mr P had difficulty staying within it and making the necessar... (3 pages)View decision