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-3664789
24 Aug 2022 Lendable Ltd UpheldConsumer CreditDRN-3664789 The complaint Miss V complains that Lendable Ltd irresponsibly lent her money on a high cost loan that she couldn’t afford to repay. What happened Lendable provided Miss V with a loan on 2 March 2019 for £10,000, repayable over 60 months at the monthly rate of around £315. She ... (4 pages)View decision -
Decision Reference DRN-2853058
3 Jun 2021 Capital One (Europe) plc UpheldBanking and PaymentsDRN-2853058 The complaint Mr D is complaining about how Capital One (Europe) plc treated him in respect of his credit card when he was in financial difficulty. What happened Mr D had a credit card with Capital One. He says that in October 2017 he spoke with Capital One and told them he was... (3 pages)View decision -
Decision Reference DRN7112842
10 Apr 2017 National Westminster Bank Plc Not upheldBanking and creditMr I complains that National Westminster Bank Plc (NatWest) irresponsibly lent money to him in October 2015.background Mr I took out a NatWest loan online for £1500 on 15 October 2015. He then took out a further loan for £1000 on 19 October 2015. He says at the time... (2 pages)View decision -
Decision Reference DRN-5141555
18 Nov 2024 CA AUTO FINANCE UK LTD Not upheldConsumer CreditDRN-5141555 Complaint Mr W complains that CA Auto Finance UK LTD (at the time trading as “Fiat Financial” Services UK Ltd) unfairly entered into a hire-purchase agreement with him. He’s said the agreement was unaffordable and so he shouldn’t have been accepted for it. Background In Jan... (3 pages)View decision -
Decision Reference DRN-3375003
16 Mar 2022 Advantage Finance Ltd Not upheldConsumer CreditDRN-3375003 The complaint Mr B complains that Advantage Finance Ltd (“Advantage”) irresponsibly granted him a loan he couldn’t afford to repay. What happened I issued my provisional decision on this complaint earlier this month. An extract from that provisional decision is set out below. I... (3 pages)View decision -
Decision Reference DRN-4937785
13 Sep 2024 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4937785 The complaint Mr M says Clydesdale Bank Plc, trading as Virgin Money (‘Virgin Money’), irresponsibly granted him a credit card account he couldn’t afford. What happened In January 2020, Mr M applied for and was granted a credit card account with Virgin Money with a credit l... (3 pages)View decision -
Decision Reference DRN-4912011
22 Jul 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4912011 Complaint Mr H has complained that Zopa Bank Limited (“Zopa”) irresponsibly provided him with a credit card, which it then increased the credit limit on, without checking his circumstances and when he was fighting a gambling addiction. Background In February 2022, Zopa prov... (3 pages)View decision -
Decision Reference DRN-4801504
9 Jul 2024 Startline Motor Finance Limited UpheldConsumer CreditDRN-4801504 The complaint Mr R complains that Startline Motor Finance Limited (“Startline”) lent to him irresponsibly when it gave him a hire purchase (HP) agreement which he says he couldn’t afford. What happened Mr R took out an HP agreement for a vehicle with Startline in July 2018. It ... (3 pages)View decision -
Decision Reference DRN-4066127
10 May 2023 Bamboo Limited UpheldConsumer CreditDRN-4066127 The complaint Mr M, through a representative, says Bamboo Limited, trading as Bamboo Loans, irresponsibly lent to him. What happened Mr M took out three instalment loans from Bamboo. A summary of his borrowing follows. loan taken out repaid value, £ term monthly repayment, £ to... (4 pages)View decision -
Decision Reference DRN-4369921
27 Sep 2023 Marks & Spencer Financial Services plc Not upheldBanking and PaymentsDRN-4369921 The complaint Miss B complains that Marks & Spencer Financial Services Plc trading as M&S Bank (‘M&S’) irresponsibly gave her a credit card account she couldn’t afford. What happened In September 2019 Miss B applied for and was granted a credit card account with M&a... (3 pages)View decision
