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 4727 results
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Decision Reference DRN-3830386
12 Dec 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3830386 The complaint Mr G complains that Tesco Personal Finance PLC trading as Tesco Bank irresponsibly provided two credit card accounts which he couldn’t afford the repayments on. What happened Mr G was provided with the following credit cards by Tesco : Card 1 issued 23/09/2016 cre... (3 pages)View decision -
Decision Reference DRN-4850321
14 Jun 2024 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4850321 The complaint Miss A complains that Brent Shrine Credit Union Limited trading as My Community Bank (“BSCU”) irresponsibly lent to her. Miss A says BSCU also delayed responding to her complaint and wasn’t responsive when she asked for assistance in financial difficulties. What h... (3 pages)View decision -
Decision Reference DRN-4049739
26 Apr 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4049739 The complaint Miss H has complained that Lloyds Bank PLC (“Lloyds”) acted irresponsibly offering her an overdraft and allowing her to increase the limit when there were gambling transactions on her account. She says this led to struggles with debt and bad anxiety. Miss H wants... (3 pages)View decision -
Decision Reference DRN-3481433
27 May 2022 Avantcredit Of Uk, Llc Not upheldConsumer CreditDRN-3481433 The complaint Mr T complains through his representative that AvantCredit of UK, LLC lent him money on a high cost loan which he was unable to afford to repay. What happened On or about 16 October 2015 AvantCredit provided a loan to Mr T of £1,000, repayable at the rate of £110 ... (3 pages)View decision -
Decision Reference DRN-1724592
20 Apr 2020 Gain Credit LLC Not upheldConsumer CreditDRN-1724592 ComplaintMr C says Gain Credit LLC (trading as Drafty) lent to him irresponsibly.BackgroundThis complaint is about an open-ended credit facility Drafty approved for Mr C in March 2018. Mr C says Drafty shouldn't have allowed him to open the facility as he couldn't aff... (2 pages)View decision -
Decision Reference DRN2124501
29 Oct 2015 PDL Finance Limited UpheldBanking and creditMr B has complained that PDL Finance Limited lent money to him when he wouldn’t be able to pay it back.backgroundMr B took out five payday loans with PDL between April 2012 and May 2014. He feels these were unaffordable. PDL offered him £150 as a goodwill gesture, ... (2 pages)View decision -
Decision Reference DRN6208061
23 Jan 2018 MMP Financial Limited Not upheldBanking and creditMr D complains that MMP Financial Limited, trading as Swift Sterling, gave him loans he couldn’t afford to repay.backgroundMr D took out the following loans with Swift Sterling: date £ amount borrowed /to be repaid (rounded)date repaid1 16 July 2016250/27227 July 20162 ... (2 pages)View decision -
Decision Reference DRN4832047
22 Mar 2018 Western Circle Limited Not upheldBanking and creditMr H complains that Western Circle Ltd (trading as Cashfloat) lent him money even though it couldn’t have been sure he could repay it.backgroundMr H borrowed £400 from Cashfloat on 29 January 2017. It was due to be repaid in two instalments of just under £273 each. ... (2 pages)View decision -
Decision Reference DRN3877280
29 Jan 2019 National Westminster Bank Plc Not upheldBanking and creditMr M complains that National Westminster Bank Plc (NatWest) lent to him irresponsibly by allowing him to extend his overdraft and take out loans despite having debt with other lenders. Mr M would like a full refund of interest and charges plus statutory interest.bac... (2 pages)View decision -
Decision Reference DRN4868980
25 Aug 2017 National Westminster Bank Plc Not upheldBanking and creditMs R complains that National Westminster Bank Plc took £2,000 from her account and sent her a bank card in her father’s name. She also complains about abusive behaviour from NatWest’s staff and that a manager followed her into another bank to cause trouble.background ... (2 pages)View decision
