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-3027217
9 Nov 2021 Logbook Money Limited UpheldConsumer CreditDRN-3027217 The complaint Mr W has complained that Logbook Money Limited (“LML” or “the lender”) was irresponsible to have agreed credit for him. What happened LML provided Mr W with a loan of £750 in October 2019. The total amount of £2,437.50, including interest and charges, was to be r... (3 pages)View decision -
Decision Reference DRN4308512
2 Mar 2020 TSB Bank plc Not upheldBanking and creditComplaintMr M has complained that TSB Bank Plc won’t refund unauthorised transactions and that it failed to make a reasonable adjustment.BackgroundMr M is deaf. He requires a British Sign Language interpreter when talking to others. He uses the Next Generation Text (NGT) relay service to m... (3 pages)View decision -
Decision Reference DRN-3656321
18 Aug 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3656321 The complaint Mr K has complained that National Westminster Bank PLC (NatWest) won’t refund him for disputed transactions he didn’t make or authorise. What happened Mr K has a current account with NatWest. Between 28 March and 28 April 2020 Mr K’s debit card was used to make se... (3 pages)View decision -
Decision Reference DRN-4158608
1 Aug 2023 Nationwide Building Society UpheldConsumer CreditDRN-4158608 The complaint Mr P complains that Nationwide Building Society lent to him irresponsibly. What happened Mr P took out three loans. The first was in August 2020 for £5,000, the second in September 2020 for £1,000 and the final loan was for £11,087 in March 2021. Mr P says he cou... (3 pages)View decision -
Decision Reference DRN-3963180
17 Feb 2023 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3963180 The complaint Mr R1, represented by Mr R2, says Tesco Personal Finance PLC, trading as Tesco Bank, irresponsibly lent to him. For ease of reading, I will refer to all points made by Mr R2 as being from Mr R1 and I will refer to Mr R1 as Mr R throughout this decision. What happe... (3 pages)View decision -
Decision Reference DRN-2339869
8 Dec 2020 Avantcredit Of Uk, Llc Not upheldConsumer CreditDRN-2339869 The complaint Mr D believes AvantCredit of UK, LLC trading as Avantcredit, acted irresponsibly by agreeing two loans he’d applied for. What happened In September 2015 Mr D took out a £1,000 loan with Avantcredit, to be repaid over 12 months with repayments of £98.48 a month. Th... (3 pages)View decision -
Decision Reference DRN-4210156
28 Jun 2023 Tandem Home Loans Ltd Not upheldMortgagesDRN-4210156 The complaint Mr and Mrs W’s complaint relates to a secured loan they have with Tandem Home Loans trading as 1 st Stop Secured Loans. They believe the loan was not affordable and that Tandem should have carried out further checks before agreeing to the application. They have co... (3 pages)View decision -
Decision Reference DRN8867829
16 Jul 2014 Bank of Ireland (UK) Plc UpheldBanking and creditMr R complains that Bank of Ireland (UK) Plc has held him liable for a number of credit card transactions that he said he did not make or authorise.backgroundIn October 2013 Mr R complained to Bank of Ireland about a number of credit card transactions made in December 2011 and January 20... (3 pages)View decision -
Decision Reference DRN9946501
3 Apr 2017 Casheuronet UK LLC UpheldBanking and creditMs G complains about payday loans and flex credit accounts she took out with CashEuroNet UK LLC (trading as Quick Quid) which she says Quick Quid shouldn’t have given her because the borrowing wasn’t affordable. backgroundMs G borrowed six payday loans and two flex credi... (5 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
