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
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Decision Reference DRN-4452028
18 Apr 2024 HSBC UK Bank Plc UpheldConsumer CreditDRN-4452028 The complaint Mr W says HSBC UK Bank Plc, trading as first direct, lent irresponsibly when providing him with a loan in 2023. What happened In June 2023, HSBC loaned Mr W £16,000 over an 81-month term. The stated purpose of the loan was to fund home improvements. The interest r... (3 pages)View decision -
Decision Reference DRN5897446
6 Dec 2018 Cash On Go Limited UpheldBanking and creditMr C complains that Cash on Go Limited, trading as Peachy.co.uk, (“Peachy”) gave him aloan that he couldn’t afford to repay.backgroundMr C initially took an instalment loan of £100 from Peachy on 19 April 2018 repayable by fivemonthly instalments. Later that day, he too... (5 pages)View decision -
Decision Reference DRN8361979
22 Jun 2017 Euronetcash, Llc Not upheldBanking and creditMr D complains that EuroNetCash LLC, trading as On Stride Financial, irresponsibly lent him money without properly carrying out checks of whether he could afford to repay it.backgroundIn December 2016 Mr D borrowed £4,000 from On Stride Financial over a term of three ... (2 pages)View decision -
Decision Reference DRN-5273558
27 Jan 2025 Stellantis Financial Services UK Limited Not upheldConsumer CreditDRN-5273558 Complaint Mr D complains that Stellantis Financial Services UK Limited (trading as “Vauxhall Finance”) unfairly entered into a conditional sale agreement with him. The finance was provided under the GMAC trading name and so for the sake of clarity, I’ve referred to GMAC thr... (4 pages)View decision -
Decision Reference DRN5077734
1 Feb 2018 Euronetcash, Llc Not upheldBanking and creditMr S complains that EuroNetCash LLC (trading as On Stride Financial) gave him a loan that he couldn’t afford.backgroundIn 2015 Mr S took a loan for £1,000 with On Stride Financial. The loan was repayable by thirteen monthly instalments of £104.24.Mr S repaid the loan ... (2 pages)View decision -
Decision Reference DRN5950382
4 Jul 2018 Casheuronet UK LLC UpheldBanking and creditMiss C complains that CashEuroNet UK LLC (trading as QuickQuid and Pounds to Pocket) gave her loans that she couldn’t afford to repay.backgroundMiss C was given 2 instalment loans by Pounds to Pocket and 5 instalment loans by QuickQuid between October 2014 and July 2017... (3 pages)View decision -
Decision Reference DRN-3118475
23 Nov 2021 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3118475 The complaint Mr P has complained about Bank of Scotland Uk Plc (Trading as Halifax)’s decision to agree to offer him an overdraft in January 2020 and then to increase that overdraft limit up to £3,500 over the next month or so. He says Halifax was aware that he suffered with a... (2 pages)View decision -
Decision Reference DRN7006723
28 Jun 2018 Uncle Buck Finance LLP Not upheldBanking and creditMr S complains that Uncle Buck Finance LLP gave him a loan that was unaffordable.backgroundMr S borrowed £200 from Uncle Buck in October 2017. The loan was to be repaid in three monthly instalments of £88. He is unhappy that, at the time he applied for the loan, he ... (3 pages)View decision -
Decision Reference DRN-3924686
29 Mar 2023 Nationwide Building Society Not upheldMortgagesDRN-3924686 The complaint Miss T complains that her application for further lending has been unfairly declined by Nationwide Building Society. What happened Miss T had an existing repayment mortgage with Nationwide since 2018. In 2022, Miss T wanted to borrow a further £20,000 to consolida... (3 pages)View decision -
Decision Reference DRN-4224095
18 Jul 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4224095 The complaint Mr H has complained that Lloyds Bank PLC (“Lloyds”) failed to remove his overdraft following a complaint of irresponsible lending being upheld. He says this led to him once again using his overdraft and getting into further debt when he was vulnerable. What happen... (3 pages)View decision
