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 DRN-5359581
3 Mar 2025 Tesco Personal Finance Limited Not upheldConsumer CreditDRN-5359581 The complaint Mr P complains that Tesco Personal Finance PLC trading as Tesco Bank lent to him irresponsibly. What happened On 25 February 2014, Mr P applied for – and was granted – a loan for £11,000 from Tesco. It was to be repaid in 60 monthly instalments of £235.63. The ... (3 pages)View decision -
Decision Reference DRN-3410242
1 Apr 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3410242 The complaint Mr W complains Nationwide Building Society acted unfairly when it defaulted his accounts. What happened Mr W had two current accounts with Nationwide – a Flex account and a FlexDirect account. He says he’d been the victim of various phishing scams and there were t... (9 pages)View decision -
Decision Reference DRN5092520
4 Jan 2019 Uncle Buck Finance LLP UpheldBanking and creditMr H complains that Uncle Buck Finance LLP lent him money he couldn’t afford to repay.backgroundMr H took out five loans with Uncle Buck between May and October 2014.Mr H says Uncle Buck was irresponsible to agree to lend to him. Mr H says he had a gambling addict... (4 pages)View decision -
Decision Reference DRN-3290566
19 Apr 2022 Evergreen Finance London Limited Not upheldConsumer CreditDRN-3290566 The complaint Mr G complains that the loans he had from Evergreen Finance London Limited (trading as Moneyboat) were unaffordable to him. What happened Mr G had four loans from Moneyboat between September 2020 and October 2021 as follows: Loan Date Amount Term Monthly Repayment... (5 pages)View decision -
Decision Reference DRN4513600
24 Jul 2017 TFS Loans Limited Not upheldBanking and creditMr M complains that TFS Loans Limited (TFS) shouldn’t have granted him a loan as it was unaffordable. He’s also unhappy about the amount he’s been repaying on the loan and the amount of interest.backgroundMr M took out a loan with TFS in January 2014 for the sum of ... (2 pages)View decision -
Decision Reference DRN-4867534
17 Jul 2024 Madison CF UK Limited Not upheldBanking and PaymentsDRN-4867534 The complaint Mr G complains that Madison CF UK Limited (trading as 118 118 Money) lent irresponsibly. What happened 118 118 Money approved Mr G for a credit card with a £1,200 limit on 3 July 2021. Mr G says 118 118 Money didn’t carry out proper affordability checks befor... (3 pages)View decision -
Decision Reference DRN-3137630
2 Nov 2021 TFS Loans Limited UpheldConsumer CreditDRN-3137630 The complaint Mr H complains that TFS Loans Limited lent to him in an irresponsible manner. What happened I issued a provisional decision on this complaint in September 2021. In that decision I explained why I thought most of the complaint should be upheld. Both parties have re... (4 pages)View decision -
Decision Reference DRN-5433018
27 Mar 2025 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-5433018 The complaint Mr M complains that Clydesdale Bank Plc trading as Virgin Money lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in a pr... (4 pages)View decision -
Decision Reference DRN2984314
5 Sep 2018 PDL Finance Limited Not upheldBanking and creditMr W complains that PDL Finance Limited, trading as Mr Lender, was irresponsible to give him loans at a time when his debts were mounting up due to a gambling addiction.backgroundMr W borrowed three times from Mr Lender between February 2014 and November 2016, as fol... (2 pages)View decision -
Decision Reference DRN8446265
30 Dec 2016 Amigo Loans Ltd Not upheldBanking and creditMr F complains that Amigo Loans Ltd gave him an unaffordable guarantor loan. He wants a refund of the interest he paid and for the loan to be removed from his credit file.backgroundMr F said Amigo lent to him at a time when he was in financial hardship. He said it... (2 pages)View decision
