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 4808 results
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Decision Reference DRN2534335
6 Apr 2017 Instant Cash Loans Limited UpheldBanking and creditMr C complains that Instant Cash Loans Limited (trading as Payday UK) gave him loans he couldn’t afford to pay back. backgroundMr C took out 10 loans with Payday UK between 24 March 2015 and 26 October 2016.Mr C hasn’t yet paid back the last loan. Our adjudicator tho... (2 pages)View decision -
Decision Reference DRN-4572233
14 Feb 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4572233 Complaint Miss O has complained about a loan Zopa Bank Limited (“Zopa”) provided to her. She says the loan was unaffordable, because of her existing debt and financial position, so she shouldn’t have been lent to. Background Zopa provided Miss O with a loan for £8,000.00 in Dec... (3 pages)View decision -
Decision Reference DRN6447450
6 Sep 2017 Nextcredit Limited UpheldBanking and creditMiss M complains that Nextcredit Limited gave her loans that she couldn’t afford.backgroundMiss M took out two loans with Nextcredit in 2016. Both were for £500. She took the first one in June. It was repayable by three monthly instalments of £197.55 and a final ... (3 pages)View decision -
Decision Reference DRN9152280
17 Apr 2020 National Westminster Bank Plc Not upheldBanking and creditThe executor of the estate of the late Mr H complains that National Westminster Bank Plc won’t refund payments he didn’t authorise.backgroundThe executor is the sister of the late Mr H. She says that before he died his stepdaughters made withdrawals from his account that she disputes he au... (3 pages)View decision -
Decision Reference DRN-3626976
17 Aug 2022 Lendable Ltd Not upheldConsumer CreditDRN-3626976 Complaint Mr N has complained about loans Lendable Ltd (“Lendable”) provided to him. He says his income exceeded his expenditure and he shouldn’t have been provided with these loans. Background Lendable provided Mr N with a first loan for £1,200.00 in October 2020. This loan wa... (3 pages)View decision -
Decision Reference DRN8139739
24 Sep 2018 HSBC Bank plc UpheldBanking and creditMr P complains that HSBC Bank Plc mis-sold him a credit card that was unaffordable for him. He says it’s failed to treat him sympathetically in his financial difficulties.backgroundMr P took out a credit card online with HSBC in September 2016 after providing confirma... (2 pages)View decision -
Decision Reference DRN3916131
21 Dec 2018 Santander UK Plc Not upheldBanking and creditMiss S has complained that Santander UK Plc hasn’t treated her fairly as she’s said she’s suffering from financial difficulties. She thinks the charges she’s incurred on her current account are unfair and are forcing her into a spiral of debt.backgroundMiss S has ... (2 pages)View decision -
Decision Reference DRN6765160
28 Jun 2013 Bank of Scotland Plc Not upheldBanking and creditMr L complains that Bank of Scotland plc (trading as Halifax) unfairly applied charges and fees to his account. Mr L is assisted in this complaint by his brother, Mr K.background Mr K says that Halifax applied an excessive and unfair amount of fees and charges to Mr L’s account. He s... (2 pages)View decision -
Decision Reference DRN-3822067
23 Nov 2022 Lloyds Bank PLC UpheldConsumer CreditDRN-3822067 The complaint Mr S complains that Lloyds Bank PLC irresponsibly lent to him. What happened Mr S originally took out a loan with Lloyds in February 2015, for £8,500 with repayments of £323.32 a month over a 38 month term. In June 2015, he says he contacted Lloyds for advice and ... (5 pages)View decision -
Decision Reference DRN-2863247
11 Oct 2021 Western Circle Ltd Not upheldConsumer CreditDRN-2863247 The complaint Mr B has complained that Western Circle Ltd trading as Cashfloat didn’t carry out proper affordability checks. What happened Mr B took one payday loan from Cashfloat in September 2019. A summary of his borrowing, based on the information provided to us from Cashf... (3 pages)View decision