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-4147237
6 Jun 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4147237 The complaint Mr L complains that National Westminster Bank Plc lent to him irresponsibly. What happened In March 2020 Mr L applied for a credit card with NatWest. NatWest approved the application and gave Mr L a credit card with an initial credit limit of £6,750. Mr L complain... (3 pages)View decision -
Decision Reference DRN1474135
2 Aug 2017 Everyday Lending Limited Not upheldBanking and creditMrs G complains on behalf of her son Mr G about the total amount repayable on a loan made by Everyday Lending Limited.backgroundMr G took out a loan with Everyday in August 2016. The loan was for £2000 over 30 months and the monthly repayments were £141.90 making ... (3 pages)View decision -
Decision Reference DRN-2051422
12 Jan 2021 Advancis Limited UpheldConsumer CreditDRN-2051422 The complaint Mr W complains Advancis Limited trading as Buddy Loans irresponsibly lent to him. He says Buddy Loans didn’t complete reasonable and proportionate checks before approving him for a loan. He says had Buddy Loans done this, it would’ve seen the loan was unaffordable... (4 pages)View decision -
Decision Reference DRN-3704621
27 Sep 2022 Lloyds Bank PLC UpheldConsumer CreditDRN-3704621 The complaint Mr R complains through his representative (a relative) that Lloyds Bank PLC lent him monies on two loans he was unable to afford to repay. What happened Lloyds provided Mr R with the following loans: Date Amount Period of loan Monthly instalment* Loan 1 20/7/18 £5... (4 pages)View decision -
Decision Reference DRN-3514795
1 Jun 2022 Bank of Scotland Plc UpheldConsumer CreditDRN-3514795 The complaint Mr C complains that Bank of Scotland plc (trading as Halifax) acted irresponsibly by giving him a loan that he couldn’t afford to repay. What happened On 15 May 2019 Halifax approved Mr C’s application for a £5,000 loan. This was to be repaid in 24 monthly instalm... (4 pages)View decision -
Decision Reference DRN9532744
5 Sep 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr H has complained about payday loans he took out with Express Finance (Bromley) Limited (trading as Payday Express). He says Payday Express didn’t check whether the loans were affordable, and had it done so, it wouldn’t have lent to him. backgroundA summary of Mr ... (4 pages)View decision -
Decision Reference DRN-3314458
14 Feb 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3314458 The complaint Mr and Mrs S complain that HSBC UK Bank Plc (“HSBC”) has refused to refund payments they made using their HSBC Visa debit card. They made these payments to Optionstarsglobal, which turned out to be a fraudulent binary options company. What happened The circumstan... (5 pages)View decision -
Decision Reference DRN-3353804
28 Mar 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3353804 The complaint Mrs B says Madison CF UK Limited trading as 118 118 Money (118 118) irresponsibly lent to her. She thinks that, because of the size and term of the loan, 118 118 should have made better checks. If it had done this it would have seen that Mrs B had significant fina... (3 pages)View decision -
Decision Reference DRN-3157754
23 Dec 2021 Street (UK) C.I.C. Not upheldConsumer CreditDRN-3157754 The complaint Mr W complains that the loan he had from Street (UK) C.I.C. was unaffordable to him. What happened Mr W borrowed £200 from Street UK on 7 November 2019. The loan was due to be repaid by 12 four-weekly instalments of £25. Mr W says the repayments were unaffordable ... (3 pages)View decision -
Decision Reference DRN-4835878
29 Jul 2024 J D Williams & Company Limited Not upheldConsumer CreditDRN-4835878 Complaint Mr R has complained that J D Williams & Company Limited (“J D Williams”) irresponsibly provided him with a catalogue shopping account and subsequent credit limits. Background This complaint is about a catalogue shopping account J D Williams initially provided ... (4 pages)View decision
