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 4726 results
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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 DRN0140887
15 Oct 2018 Uncle Buck Finance LLP UpheldBanking and creditMr J complains that loans he had from Uncle Buck Finance LLP were unaffordable.backgroundMr J had five loans from Uncle Buck between 9 January 2015 and 1 June 2015 as follows:LoanDateAmountTermMonthly RepaymentDueSettled19 Jan 2015£30020d£348.0028 Jan 2015On time231 Jan... (3 pages)View decision -
Decision Reference DRN0229489
13 Apr 2018 Gain Credit LLC Not upheldBanking and creditMr H complains that Gain Credit LLC (trading as Lending Stream) lent him money that he couldn’t afford to repay.Mr H is represented in his complaint by a claims management company.backgroundMr H took out six loans with Lending Stream between January and September 2015.... (3 pages)View decision -
Decision Reference DRN8838061
21 Jun 2018 PDL Finance Limited UpheldBanking and creditMr D says PDL Finance Limited, trading as Mr Lender, gave him loans he couldn’t afford to repay. He says these loans trapped him into a spiral of debt and that Mr Lender should’ve known he was struggling financially.backgroundI issued my provisional decision on this case... (3 pages)View decision -
Decision Reference DRN-4164444
24 Jul 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-4164444 The complaint Mr R has complained Santander UK plc won’t refund five card transactions he’s disputed. What happened In July 2022 Mr R called Santander to notify them of transactions he didn’t recognise. He’d been alerted as he didn’t recognise transactions that were carried out... (2 pages)View decision -
Decision Reference DRN-3140799
16 May 2022 TM Advances Limited Not upheldConsumer CreditDRN-3140799 The complaint Mr H complains that TM Advances Limited lent to him irresponsibly and without carrying out proper affordability checks in April 2015. TM Advances has accepted that and refunded the interest and charges associated with the loan. However, Mr H doesn’t think that’s e... (2 pages)View decision -
Decision Reference DRN3863758
16 Jul 2018 Moneybarn No. 1 Limited Not upheldBanking and creditMr M complains that Moneybarn No. 1 Limited lent him money irresponsibly.backgroundMr M borrowed nearly £7,000 from Moneybarn under a conditional sale agreement in December 2014 to get a used car. He says the repayments were unaffordable as he was having financial prob... (3 pages)View decision -
Decision Reference DRN-3426306
13 Apr 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3426306 The complaint Mr D has complained that Bank of Scotland plc (trading as Halifax) unfairly applied charges to his account, contributing to his financial difficulties. What happened Mr D complained to Halifax about the charges that had been applied to his account for using his ov... (3 pages)View decision -
Decision Reference DRN6122179
23 Jan 2019 Barclays Bank UK PLC Not upheldBanking and creditMs M complains that Barclays Bank UK PLC irresponsibly granted her an overdraft facility.backgroundMs M says Barclays shouldn’t have granted her an overdraft in December 2012. She says at that time she had a poor credit record and payday loans. She’d also just co... (2 pages)View decision -
Decision Reference DRN8367507
16 Jul 2018 MEM Consumer Finance Limited Not upheldBanking and creditMr F complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans that he couldn’t afford.backgroundMr F took out a total of four loans with Payday UK between March and September 2009.Loan no. Loan amount Borrowing dateRepayment dateNumber of deferral... (5 pages)View decision
