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 4607 results
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Decision Reference DRN9331425
31 Jan 2019 NewDay Ltd UpheldBanking and creditMrs W complains that NewDay Ltd acted irresponsibly in giving her a credit card and then increasing its limit twice within nine months.background I issued my provisional decision on this case on 20 December 2018. A copy of it is attached and it forms part of this fin... (5 pages)View decision -
Decision Reference DRN9999039
4 Mar 2020 Harvey & Thompson Limited UpheldBanking and creditMiss H says Harvey & Thompson Limited (H&L) irresponsibly lent to her.backgroundThis complaint is about two loans H&L provided to Miss H between January 2017 and June 2017. Miss H’s borrowing history is as follows: LoanDate Taken OutInstalments Date RepaidLoan amount Highest In... (3 pages)View decision -
Decision Reference DRN-2909614
25 Oct 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2909614 The complaint Mr L complains that TSB Bank plc reviewed his bank account and won’t release money held in the account to him. And then closed his account. What happened Mr L had an account with TSB. In December 2019, three payments totalling £8,500 were paid into the account. TS... (3 pages)View decision -
Decision Reference DRN-3447073
4 May 2022 Lendable Ltd UpheldConsumer CreditDRN-3447073 The complaint Mr M says Lendable Ltd lent to him irresponsibly. What happened Mr M took out a 60-month instalment loan for £3,000 from Lendable on 7 August 2018. The monthly repayment was £103.09 and the total repayable was £6,193.08. Mr M says the loan was not affordable – he ... (3 pages)View decision -
Decision Reference DRN-4095102
24 Apr 2023 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-4095102 The complaint Mr C complains that Tesco Personal Finance PLC trading as Tesco Bank (‘Tesco Bank’) irresponsibly gave him a credit card that he couldn’t afford. What happened In January 2011 Mr C applied for a credit card with Tesco Bank. He was given an initial credit limit of ... (3 pages)View decision -
Decision Reference DRN-4319473
2 Nov 2023 Marks & Spencer Financial Services plc UpheldConsumer CreditDRN-4319473 The complaint Mr F complains that Marks & Spencer Financial Services Plc (“M&S”), trading as M&S Bank, irresponsibly granted him a personal loan agreement he couldn’t afford to repay. What happened In February 2020, Mr F took out a personal loan with M&S, to be ... (3 pages)View decision -
Decision Reference DRN1474122
9 Jan 2019 DJS (UK) Limited Not upheldBanking and creditMr H complains that DJS (UK) Limited (trading as Piggybank) was irresponsible to lend to him. He wants Piggybank to refund remove the negative entries from his credit file, pay him compensation and write off the outstanding debt. backgroundMr H took out four loans ... (3 pages)View decision -
Decision Reference DRN6765160
28 Jun 2013 Bank of Scotland Plc Not upheldBanking and creditMr L complains that Bank of Scotland plc (trading as Halifax) unfairly applied charges and fees to his account. Mr L is assisted in this complaint by his brother, Mr K.background Mr K says that Halifax applied an excessive and unfair amount of fees and charges to Mr L’s account. He s... (2 pages)View decision -
Decision Reference DRN4189279
19 Oct 2017 Capital One (Europe) plc Not upheldBanking and creditMr A complains that Capital One (Europe) plc won’t refund to him the money that he paid for some trading contracts. His complaint is made against Capital One under section 75 of the Consumer Credit Act 1974 and the chargeback rules. backgroundMr A used his Capital One... (2 pages)View decision -
Decision Reference DRN-3841017
5 Dec 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3841017 The complaint Mr S complains that NewDay Ltd trading as Marbles (“NewDay”) was irresponsible when it increased his credit limit. What happened NewDay opened a credit card account for Mr S in April 2020 with a credit limit of £450. This type of credit was an open-ended or runnin... (4 pages)View decision
