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-3392649
29 Apr 2022 Shelby Finance Ltd Not upheldConsumer CreditDRN-3392649 The complaint Mr B complains that the loan he had from Shelby Finance Ltd (trading as Dot Dot Loans) was unaffordable. What happened Mr B took out a £600 loan with Dot Dot Loans on 8 July 2021. His scheduled repayments were £187.87 per month for six months. The loan was due to ... (3 pages)View decision -
Decision Reference DRN3745224
7 Aug 2018 TSB Bank plc Not upheldBanking and creditMr S complains that TSB Bank plc allowed him to go overdrawn even though he had a basic bank account.To settle matters Mr S would like the account to go back to how it was before the unauthorised overdraft.backgroundMr S carried out a number of gambling transacti... (3 pages)View decision -
Decision Reference DRN2746828
31 Jul 2019 NewDay Ltd UpheldBanking and creditMr W complains that NewDay Ltd (trading as Marbles) was irresponsible when it increased the credit limit on his credit card account. backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 9 July 2019 – a copy of which is attach... (5 pages)View decision -
Decision Reference DRN4991121
11 Jul 2017 Uncle Buck Finance LLP UpheldBanking and creditMiss M complains that Uncle Buck Finance LLP gave her unaffordable payday loans. She wants a refund with interest.backgroundMiss M had five loans from Uncle Buck between October 2015 and September 2016. She said Uncle Buck didn’t carry out proper affordability checks bef... (2 pages)View decision -
Decision Reference DRN-3261143
10 Feb 2022 Oakbrook Finance Limited Not upheldConsumer CreditDRN-3261143 The complaint Miss B complains that Oakbrook Finance Limited, trading as Likely Loans provided lending to her which was unaffordable and irresponsible. What happened Miss B borrowed £4500 from Likely Loans in June 2019. It was payable over 60 months at £115.06 per month. Miss ... (2 pages)View decision -
Decision Reference DRN-3167681
21 Feb 2022 Oakbrook Finance Limited Not upheldConsumer CreditDRN-3167681 The complaint Mr R complained that OAKBROOK FINANCE LIMITED trading as Likely Loans irresponsibly provided him with an unaffordable loan. What happened Likely Loans provided Mr R with a loan as follows: Date taken Amount received Term Monthly repayment Amount payable Date repai... (3 pages)View decision -
Decision Reference DRN5370596
11 Apr 2018 Barclays Bank Plc Not upheldBanking and creditMr G complains that Barclays Bank Plc, trading as Barclaycard, acted irresponsibly by allowing him to open a credit card account, and then by increasing his credit limit.backgroundMr G applied for the credit card account in 2011. He says he had a poor credit histor... (2 pages)View decision -
Decision Reference DRN0064054
5 Jul 2017 MEM Consumer Finance Limited UpheldBanking and creditMr G complains that MEM Consumer Finance Limited (trading as Payday UK) lent him money he couldn’t afford to repay.backgroundMr G took out a number of loans with Payday UK between 2012 and 2015. He says he borrowed to support his gambling habit. Payday UK told Mr G it h... (2 pages)View decision -
Decision Reference DRN-3447590
26 Apr 2022 Shelby Finance Ltd UpheldConsumer CreditDRN-3447590 The complaint Mr O complains that the loans he had from Shelby Finance Ltd (trading as Dot Dot Loans) were unaffordable. What happened Mr O had three loans from Dot Dot Loans between January 2020 and September 2020 as follows: Loan Date Amount Term Monthly Repayment Due Repaid ... (3 pages)View decision -
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
