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 4619 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-4194934
5 Oct 2023 Everyday Lending Limited Not upheldConsumer CreditDRN-4194934 The complaint Mr A complains that Everyday Lending Limited, trading as Everyday Loans (“Everyday Loans”) , lent to him irresponsibly. What happened Mr A took out a loan with Everyday Loans in June 2021. He borrowed £1,000 over 18 months, repaying £120.12 a month, meaning he’d r... (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-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 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 DRN7306431
20 May 2015 Barclays Bank Plc Not upheldBanking and creditMr R complains that Barclays Bank Plc approved two personal loan applications that he made in 2014 when he “was not in a capable state of mind”. He is not able to make the monthly repayments and says Barclays should “write-off” the debt.backgroundBetween September... (2 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 DRN6620504
11 Aug 2016 Casheuronet UK LLC UpheldBanking and creditMr H complains that Casheuronet UK LLC lent irresponsibly to him. our initial conclusionsOur adjudicator thought that given the very particular circumstances of Mr H’s complaint Casheuronet hadn’t done sufficient checks before it lent to him. She thought if it had done... (2 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 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
