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 DRN-3826683
25 Nov 2022 Fluro Platform Limited Not upheldConsumer CreditDRN-3826683 The complaint Mr N complains that Fluro Platform Limited, trading as Lending Works (“Lending Works”) shouldn’t have lent to him because it ought reasonably to have realised that he would struggle to make his repayments. What happened Lending Works approved a loan of £1,000 for ... (2 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 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 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 DRN-4677141
18 Mar 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-4677141 Complaint Mr S complains that Clydesdale Financial Services Limited (trading as Barclays Partner Finance (“Barclays PF”)) unfairly entered into a conditional sale agreement with him. He’s said that he entered into this agreement at the time that he was suffering from a gambling... (4 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 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 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 DRN-3268279
23 Feb 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3268279 The complaint Mr N has complained that Bank of Scotland plc trading as Halifax (“Halifax”) acted irresponsibly by increasing his overdraft limit without conducting a proper affordability assessment. What happened Mr N has complained about unaffordable lending relating to overdr... (3 pages)View decision
