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 5830 results
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Decision Reference DRN-3248648
21 Mar 2022 Progressive Money Limited Not upheldConsumer CreditDRN-3248648 The complaint Mr C complains that Progressive Money Limited (PML) lent him money on a high interest loan he was unable to afford to repay. What happened Mr C was provided with a loan by PML on 28 June 2018. This was for £7,000 repayable over 48 months at the rate of £263.75. He... (3 pages)View decision -
Decision Reference DRN-3282697
28 Feb 2022 Valour Finance Limited UpheldConsumer CreditDRN-3282697 The complaint Miss M complains that Valour Finance Limited (trading as Savvy.co.uk) was irresponsible to lend to her. What happened Miss M borrowed £1,500 from Savvy on 27 May 2021. The loan was due to be repaid by 15 monthly instalments of £200.00 with the last payment due on ... (3 pages)View decision -
Decision Reference DRN-5050104
9 Oct 2024 National Westminster Bank Plc Not upheldConsumer CreditDRN-5050104 The complaint Mr T complains that National Westminster Bank Plc (NatWest) didn’t sufficiently check whether he could afford a loan they agreed to. What happened In January 2020 Mr T entered into a Fixed Term personal loan with NatWest. The loan was for £9,500, after interest... (4 pages)View decision -
Decision Reference DRN-6109633
27 Jan 2026 Bank of Ireland (UK) Plc UpheldConsumer CreditDRN-6109633 The complaint Mr D complains that Bank of Ireland (UK) Plc was irresponsible in its lending to him. What happened Mr D was provided with a loan by Bank of Ireland (UK) Plc (BOI) on 23 April 2019. The amount of credit was £20,000, repayable over 60 months at an interest rate ... (4 pages)View decision -
Decision Reference DRN-5018596
12 Sep 2024 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-5018596 The complaint Mr T is complaining about Tesco Personal Finance PLC because he says it lent irresponsibly by giving him a credit card he couldn’t afford. In making his complaint, he referred to the various other debts he had at the time and also mentioned a gambling problem. ... (5 pages)View decision -
Decision Reference DRN-3430312
3 May 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3430312 Complaint Mr B has complained about an overdraft which was provided to him by Bank of Scotland plc (trading as “Halifax”) on his current account. He’s said that he had a gambling problem which would have been apparent to Halifax had it carried out proportionate checks. And in t... (18 pages)View decision -
Decision Reference DRN4907212
30 Sep 2013 Moneybookers Ltd Not upheldBanking and creditMs L complains that Skrill Limited cancelled a payment she had made through it to her account with an offshore gambling site. She says that, but for the cancelled payment, her bet would have won her €632. backgroundMs L used Moneybookers to make a payment from her bank account to ... (2 pages)View decision -
Decision Reference DRN1046932
20 Feb 2018 Capital One (Europe) plc Not upheldBanking and creditMr D complains that Capital One (Europe) plc (Capital One) wrongly applied charges to his account. He would like the charges refunded, with interest.backgroundMr D says Capital One charged him fees for cash transfers when no physical cash was withdrawn. For example elect... (2 pages)View decision -
Decision Reference DRN3326183
4 Jun 2019 Bamboo Limited Not upheldBanking and creditMr M complains that Bamboo Limited, trading as Bamboo Loans (“Bamboo”) gave him loans he couldn’t afford.backgroundMr M took out a guarantor loan and a personal loan with Bamboo. He says he was in financial difficulties when he applied for the loans, and was relying on ... (4 pages)View decision -
Decision Reference DRN-4619819
15 Feb 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-4619819 Complaint Mr D has complained about a loan Loans 2 Go Limited (“L2G”) provided to him. He says the loan was unaffordable and this would have been determined had proportionate checks been carried out. Background L2G provided Mr D with a loan for £1,750.00 in October 2022. The lo... (4 pages)View decision