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
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Decision Reference DRN-2499339
26 Jan 2021 Gain Credit LLC Not upheldConsumer CreditDRN-2499339 The complaint Miss H complains that Gain Credit LLC (trading as Lending Stream) was irresponsible to lend to her. What happened Miss H took out a £300 loan with Lending Stream on 26 May 2014. It was due to be repaid with six instalments, finishing on 1 December 2014. Miss H say... (3 pages)View decision -
Decision Reference DRN-3763049
30 Nov 2022 NewDay Ltd Not upheldConsumer CreditDRN-3763049 The complaint Mr G complains that NewDay Ltd (‘NewDay’) irresponsibly gave him two credit card account facilities that he couldn’t afford. What happened In January 2018, Mr G applied for and was given a credit card account with NewDay with an initial credit limit of £600, under... (2 pages)View decision -
Decision Reference DRN-5152747
18 Nov 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5152747 The complaint Mr C has complained that Oakbrook Finance Limited, trading as Likely Loans, acted irresponsibly when it provided him with a loan for £1,000 in 2014. Background Mr C applied for a £1,000 loan with Likely Loans in December 2014. He has explained that at the time... (4 pages)View decision -
Decision Reference DRN8816958
15 Jul 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr S complains that The Royal Bank of Scotland plc has allowed payments to be taken from his account which he did not authorise. He also complains that it did not properly investigate the payments.backgroundMr S disputes making payments of £600 and £900 on a day in... (2 pages)View decision -
Decision Reference DRN6011357
26 Sep 2013 National Westminster Bank Plc Not upheldBanking and creditMr G says National Westminster Bank Plc is wrong to hold him responsible for transactions with a betting company debited to his account. backgroundThe transactions were made via the account Mr G had set up with the betting company, which he had previously used for undisputed transactions.... (2 pages)View decision -
Decision Reference DRN9152280
17 Apr 2020 National Westminster Bank Plc Not upheldBanking and creditThe executor of the estate of the late Mr H complains that National Westminster Bank Plc won’t refund payments he didn’t authorise.backgroundThe executor is the sister of the late Mr H. She says that before he died his stepdaughters made withdrawals from his account that she disputes he au... (3 pages)View decision -
Decision Reference DRN-3822067
23 Nov 2022 Lloyds Bank PLC UpheldConsumer CreditDRN-3822067 The complaint Mr S complains that Lloyds Bank PLC irresponsibly lent to him. What happened Mr S originally took out a loan with Lloyds in February 2015, for £8,500 with repayments of £323.32 a month over a 38 month term. In June 2015, he says he contacted Lloyds for advice and ... (5 pages)View decision -
Decision Reference DRN-4066127
10 May 2023 Bamboo Limited UpheldConsumer CreditDRN-4066127 The complaint Mr M, through a representative, says Bamboo Limited, trading as Bamboo Loans, irresponsibly lent to him. What happened Mr M took out three instalment loans from Bamboo. A summary of his borrowing follows. loan taken out repaid value, £ term monthly repayment, £ to... (4 pages)View decision -
Decision Reference DRN-4937785
13 Sep 2024 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4937785 The complaint Mr M says Clydesdale Bank Plc, trading as Virgin Money (‘Virgin Money’), irresponsibly granted him a credit card account he couldn’t afford. What happened In January 2020, Mr M applied for and was granted a credit card account with Virgin Money with a credit l... (3 pages)View decision -
Decision Reference DRN-4912011
22 Jul 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4912011 Complaint Mr H has complained that Zopa Bank Limited (“Zopa”) irresponsibly provided him with a credit card, which it then increased the credit limit on, without checking his circumstances and when he was fighting a gambling addiction. Background In February 2022, Zopa prov... (3 pages)View decision
