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 4717 results
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Decision Reference DRN-1943949
12 Aug 2020 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-1943949 The complaintMr M complains about Lloyds Bank PLC account charges that caused financial hardship and that it irresponsibly increased his overdraft limit. What happenedMr M says Lloyds account charges have caused him financial hardship over many years. He says he has had a gambl... (3 pages)View decision -
Decision Reference DRN-3374134
21 Mar 2022 TM Advances Limited UpheldConsumer CreditDRN-3374134 The complaint Mr S complains about a loan provided to him by TM Advances Limited “TM Advances”, which he says was unaffordable. What happened TM Advances provided Mr S with a personal loan for £2000 on 22 December 2015. The term of the loan was 2 years and the monthly repayment... (3 pages)View decision -
Decision Reference DRN-4709739
26 Mar 2024 Startline Motor Finance Limited UpheldConsumer CreditDRN-4709739 The complaint Miss L is complaining about Startline Motor Finance Limited. She says they shouldn’t have lent to her as the loan was unaffordable. Miss L’s complaint has been dealt with by a representative but for ease I’ve written as if she raised the complaint directly. What h... (3 pages)View decision -
Decision Reference DRN-3790913
9 Nov 2022 HSBC UK Bank Plc UpheldConsumer CreditDRN-3790913 The complaint Mr F complains HSBC UK Bank Plc, trading as first direct, irresponsibly lent to him. What happened Mr F took out a loan for £15,000 on 26 January 2020. The term was 72 months, the monthly repayment was £247.07 and the total repayable was £17,788.20. No repayments ... (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 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 DRN9462217
12 Dec 2018 Indigo Michael Limited UpheldBanking and creditMr C complains Indigo Michael Limited (trading as SafetyNetCredit) (“SNC”) lent to him irresponsibly.backgroundMr C entered a running account credit agreement with SNC in February 2016. This was an agreement with a £250 credit limit which allowed Mr C to transfer mone... (3 pages)View decision -
Decision Reference DRN-3755089
20 Oct 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3755089 The complaint Via a professional representative, Mr and Mrs C complain that Everyday Lending Limited, trading as Everyday Loans, lent to them irresponsibly and without carrying out proper affordability checks. They would like all the fees and charges associated with the loan re... (3 pages)View decision -
Decision Reference DRN0953451
26 Oct 2017 V7 Limited UpheldBanking and creditMr S complains V7 Limited (trading as vivus.co.uk) (“Vivus”) lent to him irresponsibly.backgroundMr S took out seven loans with Vivus during 2016. I’ve summarised these loans below:Loan # Date Date repaidAdvance InterestHighest Payment1 09/03/201601/04/2016£225 £20£2452 06/04/2... (4 pages)View decision -
Decision Reference DRN3164446
23 May 2017 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited wouldn’t accept a payment to his credit card balance from his spread betting account. He also complains that Vanquis then harassed him about missed credit card payments. backgroundMr S says Vanquis charged him a missed payment... (2 pages)View decision
