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 DRN6439384
1 Mar 2017 Express Finance (Bromley) Limited UpheldBanking and creditMiss F complains that Express Finance (Bromley) Limited trading as Payday Express (“Payday Express”) gave her unaffordable loans. She wants a refund of all interest and fees paid, plus interest, the loans removed from her credit records, and any money due from her wr... (4 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 DRN-3141573
22 Dec 2021 TM Advances Limited UpheldConsumer CreditDRN-3141573 The complaint Mr M complains about a personal loan provided to him by TM Advances Limited, (“TMA”), which he says was irresponsibly lent. What happened TMA provided a loan for £4,000 to Mr M on 26 July 2018. The loan was repayable by 45 monthly payments of £289. The interest r... (5 pages)View decision -
Decision Reference DRN-3143962
4 Nov 2021 Evergreen Finance London Limited UpheldConsumer CreditDRN-3143962 The complaint Miss D has complained that Evergreen Finance London Limited (trading as MoneyBoat) held her liable for a loan which was taken out fraudulently in her name. What happened In 2019, a series of substantial loans were applied for in Miss D’s name. Some of these went t... (6 pages)View decision -
Decision Reference DRN-5294000
28 Feb 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5294000 The complaint Mr M has complained that Bank of Scotland plc trading as Halifax acted irresponsibly when it provided him with an overdraft facility on his current account. He has also said the bank failed in its duty of care to support him as a vulnerable consumer. Background... (5 pages)View decision -
Decision Reference DRN8446265
30 Dec 2016 Amigo Loans Ltd Not upheldBanking and creditMr F complains that Amigo Loans Ltd gave him an unaffordable guarantor loan. He wants a refund of the interest he paid and for the loan to be removed from his credit file.backgroundMr F said Amigo lent to him at a time when he was in financial hardship. He said it... (2 pages)View decision -
Decision Reference DRN-1522587
8 Apr 2020 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-1522587The complaintMr C complains HSBC UK Bank plc didn’t give him an overdraft despite promising to do so and then closed his account unfairly. He also complains about HSBC’s customer service. What happenedIn April 2019 Mr C applied to HSBC for a current account as another business w... (2 pages)View decision -
Decision Reference DRN5092520
4 Jan 2019 Uncle Buck Finance LLP UpheldBanking and creditMr H complains that Uncle Buck Finance LLP lent him money he couldn’t afford to repay.backgroundMr H took out five loans with Uncle Buck between May and October 2014.Mr H says Uncle Buck was irresponsible to agree to lend to him. Mr H says he had a gambling addict... (4 pages)View decision -
Decision Reference DRN-4750326
10 May 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4750326 The complaint Mr E complains that Zopa Bank Limited (“Zopa”) irresponsibly granted him a credit card that he couldn’t afford to repay. What happened Mr E entered into an agreement with Zopa to have access to credit with a credit card account. The account was opened in March 202... (3 pages)View decision -
Decision Reference DRN6669284
2 Oct 2019 Global Kapital Group Ltd UpheldBanking and creditMr E complains that Global Kapital Group Ltd (trading as myKredit) lent to him in an irresponsible manner.backgroundMr E was given seven loans by myKredit between May 2017 and June 2018. Most of the loans were scheduled to be repaid in two or three monthly instalments. Mr E appears to have... (4 pages)View decision
