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
-
Decision Reference DRN-4691418
17 Jun 2024 Lendable Ltd Not upheldConsumer CreditDRN-4691418 The complaint Mr S complains that Lendable Ltd (LL) lent to him irresponsibly. What happened Mr S had two loans from LL; and the first one was repaid by consolidating it with the second loan: Loan/Date Amount Terms Repaid February 2021 £3,145 36 months/ £132 per month March 202... (3 pages)View decision -
Decision Reference DRN-3824333
17 Feb 2023 Nationwide Building Society Not upheldConsumer CreditDRN-3824333 The complaint Mr W and Mrs W are unhappy with the way Nationwide Building Society (“Nationwide”) dealt with their application for a personal loan. They say they were told that the application had been approved and it took a number of days before it was explained to them that th... (2 pages)View decision -
Decision Reference DRN-5247063
10 Apr 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5247063 The complaint Mr N, through his representative, complains that Lloyds Bank PLC lent to him when he could not afford it. Lloyds approved a credit card for Mr N on 22 March 2018 with a credit limit of £1,000. What happened The card was approved for Mr N in March 2018 with a £... (3 pages)View decision -
Decision Reference DRN-5115361
1 Nov 2024 Gain Credit LLC UpheldConsumer CreditDRN-5115361 The complaint Miss B complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) gave her loans she couldn’t afford to repay, and Lending Stream would’ve realised that had it made better checks. What happened A summary of Miss B’s borrowing can be found in t... (8 pages)View decision -
Decision Reference DRN5894603
15 Jan 2020 Capital One (Europe) plc UpheldBanking and creditMr A complains that Capital One (Europe) plc lent to him irresponsibly.backgroundMr A took out a credit card with Capital One in 2006, with a limit of £500. It then increased his credit limit twice, in October 2016 to £1,500, and October 2017 to £2,500. He feels that it was irresponsible t... (5 pages)View decision -
Decision Reference DRN4427052
22 Jun 2018 Active Securities Limited UpheldBanking and creditMr C complains that Active Securities Limited, trading as 247 Moneybox, (“ASL”), gave himloans that were unaffordable and that it provided him with unsatisfactory customer service.backgroundMr C was given 24 loans by ASL between September 2015 and June 2017 as foll... (8 pages)View decision -
Decision Reference DRN-2343561
10 Dec 2020 Carcashpoint Limited UpheldConsumer CreditDRN-2343561 The complaint Mr P complains that CarCashPoint Limited lent to him in an irresponsible manner. What happened Mr P was given four loans by CarCashPoint as shown in the table below. Each of the loans was secured on a vehicle that Mr P owned. It appears that, from time to time, Mr... (4 pages)View decision -
Decision Reference DRN-4418956
25 Oct 2023 Nationwide Building Society UpheldConsumer CreditDRN-4418956 The complaint Mr B’s complaint is that Nationwide Building Society irresponsibly provided him with three unaffordable loans. What happened Nationwide provided Mr B with the following loans: Loan Date of loan Capital amount Term (months) Monthly repayments Total repayable value ... (5 pages)View decision -
Decision Reference DRN8957992
19 Sep 2013 Bank of Scotland Plc Not upheldBanking and creditMr Q complains that Bank of Scotland plc refuses to refund a number of online payments made using his credit card, but without his knowledge or permission. background Mr Q opened an online gambling account in early 2012 and linked his Bank of Scotland credit card to it. One morning in ... (2 pages)View decision -
Decision Reference DRN0883923
21 Apr 2017 Ulster Bank Ltd Not upheldBanking and creditMr R’s complaint is that Ulster Bank Ltd (“Ulster Bank”) caused him a large financial loss due to its’ processes.backgroundMr R was expecting a large bonus from his employer, of nearly £88,000, which was due to be paid into his Ulster Bank account by BACS on Monday ... (5 pages)View decision