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-6048425
6 Jan 2026 PDL Finance Limited Not upheldConsumer CreditDRN-6048425 The complaint Mr S complains PDL Finance trading as Mr Lender irresponsibly lent to him. What happened PDL Finance provided Mr S with one loan as follows: Date of Sale Loan Amount Interest rate (p/a) Largest Monthly Repayment Number of Instalments (months) Total amount rep... (5 pages)View decision -
Decision Reference DRN-4892683
18 Jul 2024 Tesco Personal Finance PLC UpheldConsumer CreditDRN-4892683 The complaint Mr B has complained that Tesco Personal Finance PLC trading as Tesco Bank (“Tesco”) gave him a loan without carrying out any checks into his income and expenditure. What happened Tesco gave Mr B a 60-month loan of £25,000 in September 2023. The monthly repayme... (4 pages)View decision -
Decision Reference DRN5823699
5 Oct 2015 Nationwide Building Society Not upheldBanking and creditMr M complains that Nationwide Building Society will not refund payments to an online gambling site he says he did not authorise.backgroundMr M set up an online gambling account used through an application on his smartphone. He made transactions using his Nationwide d... (2 pages)View decision -
Decision Reference DRN-4923109
6 Sep 2024 AutoMoney Limited Not upheldConsumer CreditDRN-4923109 The complaint Mr B complains that AutoMoney Limited trading as AutoMoney Motor Finance (AutoMoney) irresponsibly granted him two hire purchase agreements that he couldn’t afford to repay. What happened In June 2020 Mr B acquired a vehicle financed by a hire purchase agreeme... (5 pages)View decision -
Decision Reference DRN5304241
20 Apr 2020 Bank of Scotland Plc Not upheldBanking and creditMr M has complained that Bank of Scotland Plc (trading as Halifax) won’t refund transactions he says he didn’t make or otherwise authorise.what happenedIn June 2018, Mr M opened an account with Halifax, but didn’t use it.In January 2019, Mr M received batches of cash payments into his acco... (3 pages)View decision -
Decision Reference DRN6596345
17 Jul 2018 Casheuronet UK LLC UpheldBanking and creditMr B says CashEuroNet UK LLC, trading as Quick Quid, lent to him irresponsibly. He says Quick Quid didn’t carry out sufficient affordability checks and ought to have realised he was dependent on short-term credit.backgroundI issued my provisional decision on this compl... (5 pages)View decision -
Decision Reference DRN3094213
16 Dec 2019 Loans 2 Go Limited UpheldBanking and creditMr M complains that Loans 2 Go Limited (“L2G”) irresponsibly gave him a number of loans he couldn’t afford to pay. backgroundAs far as I can see, Mr M was given twelve loans between August 2015 and October 2018. The loans were a mixture of logbook loans and unsecured personal ones. One of ... (2 pages)View decision -
Decision Reference DRN3798512
18 Apr 2019 Retail Money Market Ltd Not upheldBanking and creditMr P complains that Retail Money Market Ltd (trading as RateSetter) did not carry out adequate affordability checks before lending to him and provided him with money he couldn’t afford to repay. He also complains that a large arrangement fee was added to the loan.bac... (4 pages)View decision -
Decision Reference DRN-5499957
30 May 2025 Bamboo Limited Not upheldConsumer CreditDRN-5499957 The complaint Mr M complains that Bamboo Limited didn’t provide him with the support it should have when he went through a period of depression and had problems with gambling. He wants the interest on his loan refunded. What happened Mr M was provided with a £6,000 loan by B... (2 pages)View decision -
Decision Reference DRN-5642577
20 Aug 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5642577 The complaint Mr S complains about information recorded on his credit file by Barclays Bank UK PLC trading as Barclaycard. What happened Mr S had a credit card with Barclaycard with a credit limit of £800. In June 2016 Mr S was able to exceed his credit limit by over £4,000... (3 pages)View decision