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 4619 results
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Decision Reference DRN-2792522
16 Jun 2021 PDL Finance Limited UpheldConsumer CreditDRN-2792522 The complaint Mr F complains that PDL Finance Limited (trading as ‘Mr Lender’) lent to him irresponsibly. What happened This complaint is about loans Mr Lender provided to Mr F as follows: Loan Date Taken Date Repaid Instalments Loan Amount Maximum Repayment 1 10/04/2018 15/08/... (5 pages)View decision -
Decision Reference DRN8108807
15 Mar 2018 Barclays Bank Plc Not upheldBanking and creditMr H complains about interest and charges on his credit card with Barclays Bank Plc (trading as Barclaycard). He thinks they should have done more to assist him because he was in financial difficulty.backgroundIn 1993, Mr H opened a Barclaycard account. Mr H unfortunately ... (3 pages)View decision -
Decision Reference DRN-3204574
19 Dec 2021 Capital One (Europe) plc UpheldBanking and PaymentsDRN-3204574 The complaint Mr B complains that Capital One (Europe) plc (“Capital One”) lent to him irresponsibly. Mr B is being represented in this complaint by Miss M. For simplicity I’ve referred to the representative’s actions as being those of Mr B. What happened Mr B had three credit... (4 pages)View decision -
Decision Reference DRN-4459241
23 Nov 2023 Lloyds Bank PLC Not upheldConsumer CreditDRN-4459241 The complaint Mr A complains that Lloyds Bank PLC (‘Lloyds’) irresponsibly gave a loan that he couldn’t afford. What happened On 13 November 2017, Mr A asked for and was given a loan for £5,000 which had a term of four years. In 2022, Mr A complained to Lloyds to say that the l... (3 pages)View decision -
Decision Reference DRN4566236
15 Jun 2017 Nationwide Building Society Not upheldBanking and creditMr B complains that Nationwide Building Society approved a loan to him irresponsibly and didn’t complete appropriate checks. Ms C complains on behalf of Mr B.backgroundIn September 2016 Mr B took out a personal loan with Nationwide. Ms C, concerned about Mr B’s healt... (3 pages)View decision -
Decision Reference DRN-2956832
11 Aug 2021 Madison CF UK Limited Not upheldConsumer CreditDRN-2956832 The complaint Mr B says Madison CF UK Limited (trading as 118 118 Money) lent to him irresponsibly. What happened Mr B took out a 24-month loan for £1000 in June 2017. The monthly repayment was £98.71 and the total repayable was £2369.04. Mr B says 118 118 Money took advantage ... (3 pages)View decision -
Decision Reference DRN0353893
16 Apr 2018 Hitachi Capital (UK) Plc Not upheldBanking and creditMr M complains that Hitachi Capital (UK) Plc didn’t carry out affordability checks before accepting his loan application.backgroundMr M applied for a personal loan on 11 June 2015 for the sum of £10,000. On his application Mr M said he was living with his parents, ha... (3 pages)View decision -
Decision Reference DRN-3052071
14 Apr 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3052071 The complaint Mr F has complained that Madison CF UK Limited (trading as 118 118 Money) acted irresponsibly when it agreed to give him a loan in 2018. Background Mr F applied for a loan with 118 118 Money in October 2018. The loan was for a total of £1,000 to be repaid over 18 ... (2 pages)View decision -
Decision Reference DRN9909644
19 Dec 2019 Provident Personal Credit Limited Not upheldBanking and creditComplaintMr C complains that Provident Personal Credit Limited (trading as Satsuma) gave him loans irresponsibly.BackgroundMr C was given four loans by Satsuma, as follows: Loan NoAmountDateTermMonthlyRepaid 1£30015.11.17 3m£1481.3.18 2£3003.1.185m£1061.6.18 3£8803.5.1811m£159 Outstanding ... (4 pages)View decision -
Decision Reference DRN-3830386
12 Dec 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3830386 The complaint Mr G complains that Tesco Personal Finance PLC trading as Tesco Bank irresponsibly provided two credit card accounts which he couldn’t afford the repayments on. What happened Mr G was provided with the following credit cards by Tesco : Card 1 issued 23/09/2016 cre... (3 pages)View decision
