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
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Decision Reference DRN4240469
10 Nov 2017 Provident Personal Credit Limited Not upheldBanking and creditMr D complains that Provident Personal Credit Limited (trading as Satsuma Loans) did not carry out sufficient checks before lending to him. backgroundMr D took out three loans with Satsuma between February 2015 and July 2017. He says that proper checks were not carried ... (3 pages)View decision -
Decision Reference DRN8537443
17 Dec 2018 Loans 2 Go Limited UpheldBanking and creditMiss Y complains that Loans 2 Go Limited provided her with a fixed sum loan that was unaffordable. She says Loans 2 Go should have realised the loan was unaffordable based on the information she provided.backgroundMiss Y took out a £1,000 loan in July 2013 which ... (2 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 DRN0301809
28 Aug 2019 Cash On Go Limited UpheldBanking and creditMr B complains that Cash On Go Limited, trading as Peachy, lent to him irresponsibly.Mr B is represented by a third party. backgroundI attach my provisional decision dated 6 August 2019, which forms part of this final decision and should be read with it. In it I explained why I intended to... (5 pages)View decision -
Decision Reference DRN-2705117
30 Apr 2021 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-2705117 The complaint Mr C complains that Lloyds Bank PLC has unfairly recorded a marker at CIFAS, the national fraud database. What happened Mr C had an account with Lloyds. In 2017 it decided to close his account and issued a final response about that dated 12 May 2017. Mr C now comp... (4 pages)View decision -
Decision Reference DRN-3860120
15 Dec 2022 Tesco Personal Finance PLC UpheldConsumer CreditDRN-3860120 The complaint Mr L says Tesco Personal Finance PLC, trading as Tesco Bank, irresponsibly lent to him. What happened Mr L took out two loans from Tesco Bank. They were both for £12,000 over 60 months. The first was taken out on 26 November 2016 for a car. The monthly payment was... (4 pages)View decision -
Decision Reference DRN9292228
27 Mar 2020 Lloyds Bank PLC Not upheldBanking and creditComplaintMr A has complained that Lloyds Bank PLC won’t refund transactions, which he says he didn’t make.BackgroundMr A said his nephew stole his debit card details and opened an account with an online casino. He said his nephew spent £19,000 of his money on the casino. This sum was debit... (4 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 DRN9520951
12 Jul 2016 Capital One (Europe) plc Not upheldBanking and creditMr M complains about the way Capital One (Europe) plc dealt with payments from his account he said he did not make and that it has charged interest on his borrowing.backgroundMr M says that he did not make five payments (totalling £1,800) to an online gambling websit... (2 pages)View decision -
Decision Reference DRN2707521
7 Jan 2019 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited was irresponsible when it opened a credit card account for him and then increased the credit limit.backgroundMr S opened a credit card account with Vanquis in March 2011. It then increased the limit even though he says he’d... (2 pages)View decision