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 DRN2846507
28 Dec 2018 Virgin Money plc Not upheldBanking and creditMr C says that Virgin Money plc shouldn’t have agreed to give him the credit card he applied for in 2015. He says it was irresponsible for it to do so.backgroundMr C made an online application for a credit card with Virgin in August 2015. He says that at the time o... (2 pages)View decision -
Decision Reference DRN0883923
21 Apr 2017 Ulster Bank Ltd Not upheldBanking and creditMr R’s complaint is that Ulster Bank Ltd (“Ulster Bank”) caused him a large financial loss due to its’ processes.backgroundMr R was expecting a large bonus from his employer, of nearly £88,000, which was due to be paid into his Ulster Bank account by BACS on Monday ... (5 pages)View decision -
Decision Reference DRN-3727431
2 Nov 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3727431 The complaint Mr S complains that Avant Credit of UK, LLC trading as SpringCoin and as AvantCredit, lent to him when it had not carried out thorough credit checks and if it had it would not have lent to him. What happened Using information from AvantCredit here is a brief loan ... (5 pages)View decision -
Decision Reference DRN-3824333
17 Feb 2023 Nationwide Building Society Not upheldConsumer CreditDRN-3824333 The complaint Mr W and Mrs W are unhappy with the way Nationwide Building Society (“Nationwide”) dealt with their application for a personal loan. They say they were told that the application had been approved and it took a number of days before it was explained to them that th... (2 pages)View decision -
Decision Reference DRN-4691418
17 Jun 2024 Lendable Ltd Not upheldConsumer CreditDRN-4691418 The complaint Mr S complains that Lendable Ltd (LL) lent to him irresponsibly. What happened Mr S had two loans from LL; and the first one was repaid by consolidating it with the second loan: Loan/Date Amount Terms Repaid February 2021 £3,145 36 months/ £132 per month March 202... (3 pages)View decision -
Decision Reference DRN-3800965
2 Dec 2022 Inclusive Finance Limited Not upheldConsumer CreditDRN-3800965 The complaint Miss M complains that Inclusive Finance Limited trading as Creditspring lent to her irresponsibly. What happened Miss M had been provided with a loan by CreditSpring in November 2019. The loan was repaid early, and Miss M doesn’t have a complaint about that. Credi... (3 pages)View decision -
Decision Reference DRN-5297514
30 Jan 2025 National Westminster Bank Plc UpheldConsumer CreditDRN-5297514 The complaint Mr M has complained that NatWest acted irresponsibly when it provided him with a loan for £7,500 in December 2022. Background Mr M applied for a loan, and two credit cards, with NatWest in December 2022. All three forms of credit were approved. Mr M has since ... (3 pages)View decision -
Decision Reference DRN-3765618
20 Oct 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3765618 The complaint Mr B complains that Nationwide Building Society (‘Nationwide’) irresponsibly gave him credit that he couldn’t afford. What happened In June 2016 Mr B took out a loan for £13,428.23, a term of 60 months and a monthly premium of £275.86. Mr B also took out a credit ... (3 pages)View decision -
Decision Reference DRN0316276
5 Mar 2021 The Car Finance Company (2007) Ltd UpheldBanking and creditMr P complains that The Car Finance Company (2007) Ltd (“TCFC”) provided him with a hire purchase agreement in January 2015 that was unaffordable. background In January 2015, Mr P acquired a used car from a car dealership through a hire purchase agreement provided by TCFC. The cash price o... (8 pages)View decision -
Decision Reference DRN0565155
24 Jan 2020 Elevate Credit International Limited UpheldBanking and creditMr O complains that Elevate Credit International Limited (‘Sunny’) lent irresponsibly to him. backgroundMr O borrowed nine loans from Sunny between January 2017 and September 2017. His borrowing history is as follows: Loan numberDate taken outDate repaid Number of planned instalmentsPrinci... (4 pages)View decision
