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 5478 results
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Decision Reference DRN-4237622
3 Aug 2023 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4237622 The complaint Miss B has complained that The Royal Bank of Scotland Plc (“RBS”) acted irresponsibly by providing her with a £250 overdraft. What happened Miss B successfully applied online for an overdraft with a limit of £250 in November 2017. All overdraft applications after... (3 pages)View decision -
Decision Reference DRN4018584
17 Mar 2021 Tesco Personal Finance PLC UpheldBanking and creditMr D complains about Tesco Personal Finance PLC’s decision to lend to him. Mr D is represented by his mother, but, to keep things simple, I’ll refer to everything that’s been said on his behalf as if Mr D had said it himself. background I set out the background to Mr D’s complaint in my ea... (9 pages)View decision -
Decision Reference DRN-4069555
8 Sep 2023 Metro Bank PLC UpheldConsumer CreditDRN-4069555 The complaint Miss M complains that Metro Bank PLC, trading as RateSetter, lent to her irresponsibly and without carrying out proper affordability checks. What happened In April 2022 RateSetter granted Miss M a loan for £4,000 which was scheduled to be repaid at approximately £... (3 pages)View decision -
Decision Reference DRN-1514171
21 Jan 2021 TFS Loans Limited UpheldConsumer CreditDRN-1514171 The complaint Mr G complains about a guarantor loan provided to him by TFS Loans Limited (“TFS”) which he says was unaffordable. What happened TFS provided Mr G with a loan of £10,000 on 12 January 2018. The loan was secured by a guarantor who would be responsible for repaying ... (5 pages)View decision -
Decision Reference DRN-4037432
10 May 2023 Vodafone Limited UpheldConsumer CreditDRN-4037432 The complaint Mr G complains that two finance agreements that he took out with Vodafone Limited (“Vodafone”) were unaffordable and or that the decisions to lend to him were inappropriate. What happened Mr G took out two interest free finance agreements with Vodafone one in Augu... (5 pages)View decision -
Decision Reference DRN-4252932
6 Nov 2023 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-4252932 Complaint Mr H has complained about a loan Brent Shrine Credit Union Limited trading as My Community Bank (“MCB”) provided to him. He says that he had historic issues with debt and gambling which would have been apparent had sufficient checks for a loan of such a large amount b... (3 pages)View decision -
Decision Reference DRN-4358139
4 Oct 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4358139 The complaint Mr H complained to Barclays Bank UK PLC (“Barclays”) in August 2022 about an increased overdraft facility that was granted to him in March 2022. Mr H says Barclays acted irresponsibly in providing him with the increased overdraft facility, that it was unaffordable... (3 pages)View decision -
Decision Reference DRN6235962
14 Jul 2017 Casheuronet UK LLC UpheldBanking and creditMr R has complained about loans granted to him by CashEuroNet UK LLC (trading as both “Quick Quid” and as “Pounds to Pocket”). He’s said they were unaffordable for him.backgroundCashEuroNet says it agreed 28 loans for Mr R (as Quick Quid) during the period August 2009 ... (7 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-3347726
15 Mar 2022 Lloyds Bank PLC Not upheldConsumer CreditDRN-3347726 The complaint Mr H complains that Lloyds Bank plc acted irresponsibly when it provided him with a loan and then increased the loan amount a few months later. What happened Mr H says Lloyds offered him a loan in September 2018. The loan amount was £7,000. He says at that time he... (5 pages)View decision