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 4725 results
-
Decision Reference DRN3273685
27 Feb 2018 PDL Finance Limited UpheldBanking and creditMr T has complained about 11 loans which PDL Finance Limited (trading as Mr Lender) gave him between October 2014 and November 2016. Mr T says that Mr Lender shouldn’t have agreed the number of loans it gave him. He says it should’ve been clear from his lending patter... (4 pages)View decision -
Decision Reference DRN-4184140
12 Jun 2023 First Response Finance Ltd UpheldConsumer CreditDRN-4184140 The complaint Miss B complains about credit granted to her by First Response Finance Ltd. What happened First Response agreed credit of £4,642 for Miss B in April 2018 in order for her to acquire a car. The cash price of the car was £4,942. The total amount owing under the agre... (4 pages)View decision -
Decision Reference DRN-5350692
27 Feb 2025 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-5350692 The complaint Mr J has complained that National Westminster Bank Plc (“NatWest”) mis-sold him a fee- paying Reward Black packaged bank account in February 2019. Mr J said that he was told that he had to get the account in order to take out an overdraft. Mr J said that his ea... (3 pages)View decision -
Decision Reference DRN-4663375
3 Apr 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4663375 The complaint Mr B is complaining about Zopa Bank Limited because he says it lent irresponsibly when providing him with a credit card. He says he had a gambling problem for which he’s receiving treatment and he shouldn’t have been given access to further credit. What happened O... (4 pages)View decision -
Decision Reference DRN-5171003
18 Mar 2025 Loans 2 Go Limited Not upheldConsumer CreditDRN-5171003 The complaint Mrs M complains that Loans 2 Go Limited trading as Loans 2 Go irresponsibly lent her four personal loans. She also complains that the interest it charged took advantage of her vulnerability. She said she was in financial difficulty when she took out the loans a... (4 pages)View decision -
Decision Reference DRN-4610343
28 Mar 2024 Valour Finance Limited UpheldConsumer CreditDRN-4610343 The complaint Mr O complains Valour Finance Limited trading as Savvy.co.uk (“Valour”) provided him with a loan without carrying out appropriate affordability checks. Mr O also says that interest was added to the outstanding balance even thought he had told Valour about his diff... (7 pages)View decision -
Decision Reference DRN6539863
30 Apr 2015 Lloyds Bank PLC Not upheldBanking and creditMrs A complains that Lloyds Bank plc did not alert her at an earlier stage to large withdrawals that her husband was making from her business account.backgroundMrs A held a business account with Lloyds, for which her husband was an authorised signatory. She had recently so... (3 pages)View decision -
Decision Reference DRN-3645811
9 Nov 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3645811 The complaint Mr O complains about the alteration of his Basic bank account to a Classic account which he says happened without his consent. Mr O also complains that the initial overdraft he got he never applied for and the subsequent limit increases ought not to have been appr... (9 pages)View decision -
Decision Reference DRN2096736
18 Mar 2019 FCL Consumer Finance Ltd UpheldBanking and creditMr E complains that FCL Consumer Finance Ltd, trading as Smart-Pig.com, (“FCL”), gavehim loans that he couldn’t afford to repay.backgroundMr E took out three payday loans with FCL whilst he was a student. Details of the loans arebelow.Loan numberDate of LoanLoan amo... (6 pages)View decision -
Decision Reference DRN-4834947
6 Jun 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4834947 The complaint Miss J complains that HSBC UK Bank Plc was irresponsible in its lending to her when it provided her with a credit card account. She wants a refund of all interest and charges applied to her account and any adverse credit information removed from her credit file. W... (4 pages)View decision
