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-5156684
4 Dec 2024 Lendable Ltd Not upheldConsumer CreditDRN-5156684 The complaint Mrs P, through a representative, says Lendable Ltd irresponsibly lent to her. What happened Mrs P took out two instalment loans from Lendable. The first, in February 2021, was for £5,500 over 48 months; the monthly repayments were £182.83 and the total repayabl... (3 pages)View decision -
Decision Reference DRN0204720
18 Apr 2017 MEM Consumer Finance Limited UpheldBanking and creditMr C has complained about short-term loans granted to him by MEM Consumer Finance Limited trading as Payday UK (“Payday UK” or “the lender”). backgroundPayday UK agreed four loans for Mr C in the period November 2015 to June 2016. The loan amounts ranged between £10... (3 pages)View decision -
Decision Reference DRN-1781844
26 Mar 2021 Zopa Limited Not upheldConsumer CreditDRN-1781844 The complaint Mr P complains that Zopa Limited (Zopa) lent to him irresponsibly. What happened In November 2017 Mr P applied on-line to Zopa for a £15,000 consolidation loan repayable over a four-year term. Zopa approved the loan and later that month the loan amount was paid in... (3 pages)View decision -
Decision Reference DRN-4590847
29 Mar 2024 Nationwide Building Society UpheldBanking and PaymentsDRN-4590847 The complaint Mr R complained that Nationwide Building Society (“Nationwide”) irresponsibly granted an overdraft in August 2022 that he couldn’t afford to repay. What happened In August 2022, Mr R was granted an overdraft of £2,000 on his current account. Mr R thinks that Natio... (3 pages)View decision -
Decision Reference DRN-3952234
5 Apr 2023 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-3952234 The complaint Mr B complains that Co-Operative Bank Plc (“Co-Op Bank”) have failed to refund over £8,900 he says he lost to an investment scam in August 2021. What happened The details of this complaint are well known to both parties, so I won’t repeat everything again here. In... (3 pages)View decision -
Decision Reference DRN-5256766
23 Jan 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5256766 The complaint Mr S complains that Capital One (Europe) plc lent irresponsibly when it approved his credit card application. What happened Mr S applied for a credit card with Capital One in June 2023. In his application, Mr S said he was employed with an income of £32,500. M... (3 pages)View decision -
Decision Reference DRN-3036281
17 Sep 2021 Nationwide Building Society UpheldBanking and PaymentsDRN-3036281 The complaint Miss G’s complaint came up because of the way Nationwide Building Society handled her basic account when it went overdrawn. Her complaint has expanded, as she’s unhappy with the steps Nationwide have taken over the years to help her with her mental health issues a... (6 pages)View decision -
Decision Reference DRN-2294968
29 Mar 2021 1plus1 Loans Limited UpheldConsumer CreditDRN-2294968 Complaint Miss A has complained that 1plus 1 Loans Limited (trading as “1plus 1 Loans”) provided her with an unaffordable guarantor loan at a time when she had a gambling addiction. Background 1plus 1 Loans provided Miss A with a loan of £4,000.00 in May 2018. This loan had an... (6 pages)View decision -
Decision Reference DRN-4809041
30 May 2024 Valour Finance Limited Not upheldConsumer CreditDRN-4809041 The complaint Miss S complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) gave her a loan of £1,100 when she had only applied for a loan of £400. She said if further checks had been conducted prior to lending Valour wouldn’t have lent to her because she was g... (4 pages)View decision -
Decision Reference DRN9522983
11 Apr 2019 Capital Cash Limited UpheldBanking and creditMr B complains that Capital Cash Limited (CCL) was irresponsible in that it lent to him and he was ‘trapped in a debt spiral’ such that he had to continue borrowing. Mr B says that proper checks would have revealed that his ‘finances were in a state of disarray... (4 pages)View decision