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 5125 results
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Decision Reference DRN9331425
31 Jan 2019 NewDay Ltd UpheldBanking and creditMrs W complains that NewDay Ltd acted irresponsibly in giving her a credit card and then increasing its limit twice within nine months.background I issued my provisional decision on this case on 20 December 2018. A copy of it is attached and it forms part of this fin... (5 pages)View decision -
Decision Reference DRN9999039
4 Mar 2020 Harvey & Thompson Limited UpheldBanking and creditMiss H says Harvey & Thompson Limited (H&L) irresponsibly lent to her.backgroundThis complaint is about two loans H&L provided to Miss H between January 2017 and June 2017. Miss H’s borrowing history is as follows: LoanDate Taken OutInstalments Date RepaidLoan amount Highest In... (3 pages)View decision -
Decision Reference DRN-2909614
25 Oct 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2909614 The complaint Mr L complains that TSB Bank plc reviewed his bank account and won’t release money held in the account to him. And then closed his account. What happened Mr L had an account with TSB. In December 2019, three payments totalling £8,500 were paid into the account. TS... (3 pages)View decision -
Decision Reference DRN-3365969
19 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3365969 The complaint Mr B complains that NewDay Ltd trading as Aqua and Marbles lent irresponsibly when it approved his credit card applications and later increased the credit limit. What happened Mr B applied for a Marbles credit card in October 2016. In his application, Mr B said he... (3 pages)View decision -
Decision Reference DRN-3447073
4 May 2022 Lendable Ltd UpheldConsumer CreditDRN-3447073 The complaint Mr M says Lendable Ltd lent to him irresponsibly. What happened Mr M took out a 60-month instalment loan for £3,000 from Lendable on 7 August 2018. The monthly repayment was £103.09 and the total repayable was £6,193.08. Mr M says the loan was not affordable – he ... (3 pages)View decision -
Decision Reference DRN6765160
28 Jun 2013 Bank of Scotland Plc Not upheldBanking and creditMr L complains that Bank of Scotland plc (trading as Halifax) unfairly applied charges and fees to his account. Mr L is assisted in this complaint by his brother, Mr K.background Mr K says that Halifax applied an excessive and unfair amount of fees and charges to Mr L’s account. He s... (2 pages)View decision -
Decision Reference DRN-3046168
7 Dec 2021 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-3046168 The complaint Miss J said that Creation Consumer Finance Ltd irresponsibly lent to her. What happened Creation provided the following loan to Miss J: Date taken Loan status Number of monthly instalments Loan amount Approximate monthly repayment* March 2018 Outstanding 48 £10,00... (4 pages)View decision -
Decision Reference DRN-4572233
14 Feb 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4572233 Complaint Miss O has complained about a loan Zopa Bank Limited (“Zopa”) provided to her. She says the loan was unaffordable, because of her existing debt and financial position, so she shouldn’t have been lent to. Background Zopa provided Miss O with a loan for £8,000.00 in Dec... (3 pages)View decision -
Decision Reference DRN0463794
16 May 2017 Barclays Bank Plc Not upheldBanking and creditMr M complains about the way in which Barclays Bank Plc has dealt with transactions on his account that he says he neither made nor authorised.He’s unhappy that his account has been credited and re-debited on multiple occasions, causing confusion and, Mr M says, leav... (2 pages)View decision -
Decision Reference DRN2534335
6 Apr 2017 Instant Cash Loans Limited UpheldBanking and creditMr C complains that Instant Cash Loans Limited (trading as Payday UK) gave him loans he couldn’t afford to pay back. backgroundMr C took out 10 loans with Payday UK between 24 March 2015 and 26 October 2016.Mr C hasn’t yet paid back the last loan. Our adjudicator tho... (2 pages)View decision
