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 5125 results
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Decision Reference DRN-3088419
7 Mar 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3088419 The complaint Mr M complains that Bank of Scotland plc trading as Halifax (Halifax) provided lending to him through a credit card which was unaffordable and irresponsible. What happened Mr M took out a Halifax credit card in 2015 with a limit of £1500. Halifax increased this l... (3 pages)View decision -
Decision Reference DRN-5060451
15 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5060451 The complaint Miss D complains that Vanquis Bank Limited lent to her irresponsibly. What happened Miss D applied for a credit card with Vanquis in January 2022. Vanquis approved the application and gave Miss D a credit card with an initial credit limit of £1000. In May 2022 ... (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-3277217
5 Apr 2022 Lendable Ltd Not upheldConsumer CreditDRN-3277217 The complaint Mr N complains that Lendable Ltd lent to him in an irresponsible manner. What happened Mr N was given two loans by Lendable. He first borrowed £1,000 in January 2020 that he agreed to repay in 12 monthly instalments. Mr N repaid that loan earlier than planned, in ... (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 DRN6207203
15 Aug 2019 Provident Personal Credit Limited Not upheldBanking and creditMr H complains about two instalment loans that he took out with Provident Personal Credit Limited (trading as Satsuma Loans), (“SL”), which he said were unaffordable.backgroundMr H was given two instalment loans by SL in July 2018. A summary of the loans taken out by Mr H is shown below:Lo... (3 pages)View decision -
Decision Reference DRN9909644
19 Dec 2019 Provident Personal Credit Limited Not upheldBanking and creditComplaintMr C complains that Provident Personal Credit Limited (trading as Satsuma) gave him loans irresponsibly.BackgroundMr C was given four loans by Satsuma, as follows: Loan NoAmountDateTermMonthlyRepaid 1£30015.11.17 3m£1481.3.18 2£3003.1.185m£1061.6.18 3£8803.5.1811m£159 Outstanding ... (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 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 DRN0560452
31 Oct 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr D complains CURO TRANSATLANTIC LIMITED, trading as Wage Day Advance (WDA), lent to him irresponsibly.backgroundThe background to this complaint, and my provisional findings on it, can be found in my provisional decision which is attached to and forms a part of this ... (6 pages)View decision
