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 5125 results
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Decision Reference DRN-4418817
7 Dec 2023 Revolut Ltd Not upheldBanking and PaymentsDRN-4418817 The complaint Mr T is unhappy that Revolut Ltd took a long time to send him funds that had been paid into a closed account. He’s also unhappy that it deducted a sum from the total balance and sent it to someone else. What happened Mr T’s account was restricted in January 2023 w... (2 pages)View decision -
Decision Reference DRN-2715866
23 Apr 2021 Carcashpoint Limited UpheldConsumer CreditDRN-2715866 The complaint Mrs D has complained that CarCashPoint Limited (“CCP” or “the lender”) was irresponsible to have agreed credit for her. What happened CCP provided Mrs D with a loan of £5,500 in June 2018. The total amount of £25,300, including interest and charges, was to be repa... (3 pages)View decision -
Decision Reference DRN-3222292
20 Dec 2021 MotoNovo Finance Limited Not upheldConsumer CreditDRN-3222292 The complaint Miss L complains that MotoNovo Finance Limited (“MotoNovo”) irresponsibly granted her a loan she couldn’t afford to repay. What happened I issued my provisional decision on this complaint in November 2021. An extract from that provisional decision is set out below... (3 pages)View decision -
Decision Reference DRN-5893886
20 Oct 2025 Go Car Credit Limited Not upheldConsumer CreditDRN-5893886 The complaint Mr A, who is represented by a third party, complains that Go Car Credit Limited (“Go Car Credit”) irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In February 2019 Mr A acquired a used car financed by a hire purcha... (3 pages)View decision -
Decision Reference DRN9243410
29 Jan 2018 Lending Stream Llc UpheldBanking and creditMr W complains that Lending Stream LLC lent money to him that he could not afford to repay.backgroundMr W took out twenty loans with Lending Stream between March 2014 and December 2015. He says that the loans were unaffordable and that Lending Stream did not carry out ... (3 pages)View decision -
Decision Reference DRN2043096
20 Feb 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs C complain that The Royal Bank of Scotland Plc (“RBS”) wrongly rejected Mrs C’s claim for a refund of payments from their joint account which she says were made by a fraudster. They also complain that RBS closed their joint account earlier than it had sai... (2 pages)View decision -
Decision Reference DRN9588077
22 May 2018 Uncle Buck Finance LLP UpheldBanking and creditMr G complains that the loans he had from Uncle Buck Finance LLP were unaffordable and trapped him in a debt spiral.backgroundMr G had ten loans from Uncle Buck between March 2015 and November 2016 as follows:Loan Date TermAmount Due Payment Status 102 Mar 201526d£2502... (3 pages)View decision -
Decision Reference DRN-2876025
23 Jun 2021 Commsave Credit Union Limited UpheldConsumer CreditDRN-2876025 The complaint Mr P complains about loans provided to him by Commsave Credit Union Limited (“Commsave”) which he says was unaffordable. What happened The background of this complaint is well known to both parties and has been detailed by our investigator previously. So, I’ll sum... (4 pages)View decision -
Decision Reference DRN-3140799
16 May 2022 TM Advances Limited Not upheldConsumer CreditDRN-3140799 The complaint Mr H complains that TM Advances Limited lent to him irresponsibly and without carrying out proper affordability checks in April 2015. TM Advances has accepted that and refunded the interest and charges associated with the loan. However, Mr H doesn’t think that’s e... (2 pages)View decision -
Decision Reference DRN5262863
15 Aug 2019 Barclays Bank UK PLC Not upheldBanking and creditMr J complains that Barclays Bank UK plc is holding him liable for a series of gambling transactions that he says he neither made nor authorised. backgroundOver the course of one day in August 2017 twenty-seven payments totalling £2,200 were made from Mr J’s Barclays account. Each payment... (2 pages)View decision
