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 5478 results
-
Decision Reference DRN-3194571
29 Mar 2022 The Car Finance Company (2007) Ltd UpheldConsumer CreditDRN-3194571 The complaint Mr S complains that The Car Finance Company (2007) Ltd (“TCFC”) irresponsibly granted him a loan he couldn’t afford to repay. What happened In June 2015, Mr S took receipt of a car that he financed through a hire purchase agreement with TCFS. Mr S was required to... (3 pages)View decision -
Decision Reference DRN-2873909
10 Jul 2021 MBNA Limited Not upheldBanking and PaymentsDRN-2873909 The complaint Mr D complains that MBNA Limited irresponsibly allowed him to open a credit card account that was unaffordable. What happened Mr D says he applied for the credit card account in April 2019 and £1,500 was transferred from that account to his current account. He say... (3 pages)View decision -
Decision Reference DRN-5937921
8 Dec 2025 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5937921 Complaint Mr M has complained about a loan Oakbrook Finance Limited (trading as “Finio Loans”) provided to him. He says he shouldn’t have been lent to as the loan was unaffordable. Background Finio Loans provided Mr M with a loan for £1,000.00 in August 2023. This loan was ... (3 pages)View decision -
Decision Reference DRN-3704982
29 Sep 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3704982 The complaint Ms G complains that AvantCredit of UK LLC lent to her when she could not afford it. What happened Ms G’s application to AvantCredit did state that she needed the £6,000 loan in 2016 for debt consolidation. Recently AvantCredit has made submissions on that and I wi... (5 pages)View decision -
Decision Reference DRN-3347726
15 Mar 2022 Lloyds Bank PLC Not upheldConsumer CreditDRN-3347726 The complaint Mr H complains that Lloyds Bank plc acted irresponsibly when it provided him with a loan and then increased the loan amount a few months later. What happened Mr H says Lloyds offered him a loan in September 2018. The loan amount was £7,000. He says at that time he... (5 pages)View decision -
Decision Reference DRN9588077
22 May 2018 Uncle Buck Finance LLP UpheldBanking and creditMr G complains that the loans he had from Uncle Buck Finance LLP were unaffordable and trapped him in a debt spiral.backgroundMr G had ten loans from Uncle Buck between March 2015 and November 2016 as follows:Loan Date TermAmount Due Payment Status 102 Mar 201526d£2502... (3 pages)View decision -
Decision Reference DRN-5214564
16 Dec 2024 Santander UK Plc UpheldBanking and PaymentsDRN-5214564 The complaint Mr B complains about how Santander UK Plc handled chargeback requests he made. What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my role resolving disputes with minimum form... (7 pages)View decision -
Decision Reference DRN-5978682
2 Dec 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldBanking and PaymentsDRN-5978682 The complaint Mr D complaint is about an overdraft given to him by National Westminster Bank Public Limited Company (NatWest). What happened The facts of this case are familiar to both sides, so I don’t intend to repeat everything in detail here. Instead, I’ll provide a sum... (4 pages)View decision -
Decision Reference DRN4424640
23 Nov 2018 Active Securities Limited UpheldBanking and creditMr F has complained about short-term loans granted to him by Active Securities Limited, trading as 247moneybox.com (“247 moneybox”). Mr F says he couldn’t afford these loans and that 247 moneybox didn’t take appropriate steps to check whether he could afford them when h... (4 pages)View decision -
Decision Reference DRN9166734
16 Jan 2020 Uncle Buck Finance LLP UpheldBanking and creditMrs B says Uncle Buck Finance LLP irresponsibly lent to her.background This complaint is about 3 instalment loans Uncle Buck Finance provided to Mrs B between 13 February 2018 and 1 April 2018. Mrs B’s borrowing history with Uncle Buck Finance was as follows:Type of LoanLoan numberLoan a... (3 pages)View decision