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
-
Decision Reference DRN9220687
11 Mar 2018 Gain Credit LLC UpheldBanking and creditMr S complains that Gain Credit LLC (trading as Lending Stream) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file.background Mr S took out nine loans between August... (3 pages)View decision -
Decision Reference DRN-3047407
14 Sep 2021 Carcashpoint Limited UpheldConsumer CreditDRN-3047407 The complaint Mr G complains that Car Cash Point Limited, trading as CarCashPoint, (“CCP”), lent to him in an irresponsible manner. What happened Mr G was given three loans by CCP from June 2016 to November 2017. All the loans have been repaid following Mr G’s car being reposs... (10 pages)View decision -
Decision Reference DRN-3477207
23 May 2022 Logbook Money Limited UpheldConsumer CreditDRN-3477207 The complaint Miss H has complained that Logbook Money Limited (“LBM”) was irresponsible to have agreed credit for her. What happened LBM provided Miss H with a loan of £1,500 on 26 April 2021. The total amount of £4,200, including interest and charges, was to be repaid in 78 w... (3 pages)View decision -
Decision Reference DRN-2392507
13 Jan 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-2392507 The complaint Miss M has complained that Santander UK Plc won’t refund transactions, which she says she didn’t authorise. What happened Miss M opened an account with an online gambling merchant in January 2018. She later registered with GAMSTOP to have herself excluded from gam... (4 pages)View decision -
Decision Reference DRN-2303365
25 Nov 2020 Plus500UK Ltd Not upheldInvestmentsDRN-2303365 The complaint Mr I says Plus500UK Ltd (‘Plus500’) did as follows: Allowed him to trade Options in his account without informing him that it was “completely different to regular trading” with “entirely different set of problems and risks”. A number of his Options trades resulte... (3 pages)View decision -
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-3758096
17 Oct 2022 Bank of Ireland (UK) Plc Not upheldConsumer CreditDRN-3758096 The complaint Mr F complains that Bank of Ireland (UK) Plc trading as Post Office Financial Services irresponsibly gave him a loan that he couldn’t afford. For simplicity, I will refer to the business throughout as ‘Bank of Ireland’. What happened In December 2020, Mr F applied... (3 pages)View decision -
Decision Reference DRN-2795603
4 May 2021 Barclays Bank UK PLC UpheldConsumer CreditDRN-2795603 The complaint Mr M complains Barclays Bank UK PLC lent to him irresponsibly. What happened Mr M took a loan of £5,000 with Barclays in 2017. The loan defaulted in 2018 and a repayment plan was put in place. In 2020 Mr M complained to Barclays. He thought the loan shouldn’t have... (3 pages)View decision -
Decision Reference DRN-4903661
22 Jul 2024 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4903661 The complaint Ms C complains that Clydesdale Bank Plc, trading as Virgin Money, acted irresponsibly in lending her a credit card. What happened Ms C took out a credit card with Virgin Money in September 2021. The credit limit was £2,400. In 2022, Ms C complained to Virgin Mo... (3 pages)View decision -
Decision Reference DRN-3472029
10 May 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3472029 The complaint Mr M complains through his representative that AvantCredit of UK, LLC lent him money on a high interest loan which he was unable to afford to repay. What happened AvantCredit provided Mr M with a loan on 20 April 2016, for £7,900, repayable in monthly instalments ... (4 pages)View decision
