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 4703 results
-
Decision Reference DRN-5003133
4 Sep 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-5003133 The complaint Mr A complains that a number of credit cards and loans given to him by National Westminster Bank Plc (NatWest) were unaffordable for him. He argues therefore that they should not have been given to him. What happened Mr A was granted two credit cards by NatWes... (8 pages)View decision -
Decision Reference DRN-3257686
17 Jan 2022 Chetwood Financial Limited UpheldConsumer CreditDRN-3257686 The complaint Mr N complains Chetwood Financial Limited trading as LiveLend (LiveLend) acted irresponsibly when it provided a loan facility to him. What happened Mr N says when he applied for a loan with LiveLend in November 2019, he was in financial difficulties and was strugg... (4 pages)View decision -
Decision Reference DRN-3423311
7 Apr 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3423311 The complaint Mr B complains about two personals loan provided to him by Loans 2 Go limited, (“L2G”) which he says were unaffordable. What happened L2G provided Mr B with two loans. The details are given below: Number Date taken amount term Monthly repayment Repaid 1 15/10/2020... (4 pages)View decision -
Decision Reference DRN-4829444
6 Jun 2024 Tesco Personal Finance PLC UpheldConsumer CreditDRN-4829444 The complaint Mr M has complained that Tesco Personal Finance PLC trading as Tesco Bank (“Tesco”) gave him a loan he couldn’t afford to repay. What happened Tesco gave Mr M a 60-month loan of £15,000 on 12 November 2021. The monthly repayments were £327.68 and the total repayab... (4 pages)View decision -
Decision Reference DRN6439194
29 Sep 2014 Barclays Bank Plc Not upheldBanking and creditMs F complains about the level of bank charges applied by Barclays Bank PLC and that these have resulted in financial hardship.backgroundThe adjudicator did not recommend that Barclays do any more than it had already and which was to pay Ms F £50 for the slow response to her complaint.... (1 page)View decision -
Decision Reference DRN-3377814
7 Apr 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3377814 The complaint Miss M says the charges HSBC UK Bank Plc (“HSBC”) applied to her overdraft were unfair and made it extremely difficult to pay off. She is also unhappy about the amount of compensation awarded to her following an internal review of its recoveries process. What happ... (3 pages)View decision -
Decision Reference DRN4643305
27 Mar 2018 Madison CF UK Limited Not upheldBanking and creditMr M complains that Madison CF UK Limited (trading as 118118 Money) mis-sold him a loan he couldn’t afford.backgroundIn April 2016 Mr M borrowed £2,500 from 118118 Money. This was to be repaid in 24 monthly instalments of just under £200, paid by direct debit. But a... (2 pages)View decision -
Decision Reference DRN4769414
20 Apr 2018 Active Securities Limited UpheldBanking and creditMr C complains that Active Securities Limited trading as 247 Moneybox lent him money that he couldn’t afford to repay.backgroundMr C took out 13 loans with 247 Moneybox between January 2016 and March 2017. He doesn’t think it carried out enough checks before agreeing t... (3 pages)View decision -
Decision Reference DRN-5486931
1 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5486931 The complaint Mr S complains Vanquis Bank Limited (“Vanquis”) lent a credit card to him irresponsibly. What happened In March 2023 Mr S applied for a credit card with Vanquis. The application was accepted, and he was provided with a credit limit of £1,200. In December 2023, ... (3 pages)View decision -
Decision Reference DRN-5288699
13 Feb 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5288699 The complaint Mr M complains that Capital One (Europe) plc was irresponsible in its lending to him. He wants all interest and charges he has paid refunded along with statutory interest and any adverse information recorded in regard to this account removed from his credit fil... (3 pages)View decision
