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-2937984
22 Jul 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2937984 The complaint Miss G is complaining about Barclays Bank UK PLC trading as Barclaycard for having irresponsibly lent to her. What happened Miss G was accepted for a Barclaycard credit card in September 2017 with a credit limit of £3,800. Barclaycard increased the credit limit in... (4 pages)View decision -
Decision Reference DRN-4536009
3 Jan 2024 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-4536009 The complaint Mrs W complains The Royal Bank of Scotland Plc (RBS) irresponsibly lent to her when granting an overdraft. Mrs W also says the charges applied have left her in financial difficulties. What happened I issued a provisional decision setting out what’s happened, and w... (5 pages)View decision -
Decision Reference DRN-4882671
15 Jul 2024 The One Stop Money Shop Limited Not upheldConsumer CreditDRN-4882671 The complaint Mr M complains that the loans he had from The One Stop Money Shop Limited were unaffordable to him. What happened Mr M was approved for the following loans from The One Stop Money Shop between June 2022 and September 2023: Loan Date Amount Term Repayment Due ... (3 pages)View decision -
Decision Reference DRN9041980
29 Sep 2016 Lloyds Bank PLC Not upheldBanking and creditMrs B, on behalf of her son Mr B, says Lloyds Bank PLC irresponsibly lent him money.backgroundMrs B says shed told Lloyds in 2014 and 2015 of her son’s gambling problems. Each time the bank had cancelled his debit card, and overdraft facility, and issued him with ... (2 pages)View decision -
Decision Reference DRN-3638239
5 Jan 2023 Yorkshire Building Society Not upheldBanking and PaymentsDRN-3638239 The complaint Mr H complains that Yorkshire Building Society (“YBS”) did not allow him to open a saving account. What happened When Mr H attempted to open a ‘Make me a saver’ account with YBS and was declined, he raised a complaint. YBS issued a final response in which it expl... (2 pages)View decision -
Decision Reference DRN6570549
1 May 2018 Casheuronet UK LLC UpheldBanking and creditMr D complains that CashEuroNet UK LLC was irresponsible to continue to lend to him given his borrowing history.backgroundMr D had eleven loans from CashEuroNet (trading as QuickQuid and Pounds to Pocket) between December 2010 and September 2017 as follows:Mr D says Cas... (4 pages)View decision -
Decision Reference DRN-5012496
11 Sep 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-5012496 The complaint Miss G complains that TSB Bank plc (“TSB”) lent to her irresponsibly when it provided her with a credit card (and later when it increased the limit) and that this lending means she is now in a large amount of debt which in turn has affected her mental health. ... (5 pages)View decision -
Decision Reference DRN-3716134
20 Oct 2022 Shawbrook Bank Limited Not upheldConsumer CreditDRN-3716134 The complaint Mr P complains that Shawbrook Bank Limited was irresponsible in its lending to him. What happened Mr P was provided with a £8,000 48-month fixed sum loan by Shawbrook in January 2020. He says that at the time he had a poor credit rating and that had adequate check... (2 pages)View decision -
Decision Reference DRN3526514
22 Oct 2018 Active Securities Limited UpheldBanking and creditMr C complains that Active Securities Limited (trading as 24/7 Moneybox) was irresponsible in its lending to him.backgroundMr C took out numerous loans with 24/7 Moneybox between 2012 and 2016. He says that the lending was irresponsible.24/7 Moneybox says that before ... (3 pages)View decision -
Decision Reference DRN7774201
19 Sep 2017 Western Circle Limited Not upheldBanking and creditMr E complains that Western Circle Ltd (trading as Cashfloat) gave him loans that he couldn’t afford to repay.backgroundMr E was given ten loans by Cashfloat between February 2015 and August 2016. All of the loans were repayable by two or three equal monthly instalmen... (3 pages)View decision
