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 DRN3501286
12 Dec 2019 Amigo Loans Ltd Not upheldBanking and creditMr D complains Amigo Loans Ltd discussed his loan account with an unauthorised third party, which in turn caused his mental wellbeing to suffer. background Mr D took out a guarantor loan with Amigo and his brother stands as the guarantor. Amigo took a phone call from a third party claimin... (2 pages)View decision -
Decision Reference DRN-4293722
10 Jan 2024 My Finance Club Limited Not upheldConsumer CreditDRN-4293722 The complaint Mr S complains that My Finance Club Limited (“MFC”) irresponsibly lent to him. He says had better checks been carried out, the loans won’t have been lent. What happened MFC lent Mr S two loans in July 2022. From the information provided, the lending history was as... (2 pages)View decision -
Decision Reference DRN-4856725
10 Aug 2024 PayPal UK Ltd UpheldBanking and PaymentsDRN-4856725 The complaint Miss J complains that PayPal UK Ltd irresponsibly allowed her to open a credit account which was unaffordable. What happened Miss J says she opened the PayPal account in July 2021 but at the time was heavily in debt. She says insufficient checks were carried ou... (2 pages)View decision -
Decision Reference DRN3666453
28 Mar 2018 Bank of Scotland Plc Not upheldBanking and creditMr W has complained Bank of Scotland plc, trading as Halifax, lent to him irresponsibly by allowing him a large overdraft which he couldn’t afford to repay.backgroundMr W complained to Halifax in 2017 about the charges they’d applied to his account from 2010 to ... (3 pages)View decision -
Decision Reference DRN-3200107
6 Dec 2021 Al Rayan Bank PLC Not upheldBanking and PaymentsDRN-3200107 The complaint and background Mr B complains that Al Rayan Bank PLC (“Al Rayan”) did not help recover monies he paid to a trading website which he says turned out to be a scam. On 16 November 2021, I issued my provisional decision rejecting this complaint. For completeness, I r... (3 pages)View decision -
Decision Reference DRN3242735
24 Nov 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMiss L complains that Curo Transatlantic Limited trading as Wage Day Advance (WDA) gave her unaffordable payday loans and instalment loans. She wants a refund of the interest and charges she paid, with interest, and for the loans to be removed from her credit file.b... (2 pages)View decision -
Decision Reference DRN-4500581
4 Mar 2024 Admiral Financial Services Limited UpheldConsumer CreditDRN-4500581 The Complaint Mr S complains that Admiral Financial Services Limited (“Admiral”) irresponsibly lent to him. What happened Admiral lent Mr S a loan for £8,000 in November 2021, the loan was due to be repaid on 36 monthly instalments of £255.47. Mr S has complained that he couldn... (3 pages)View decision -
Decision Reference DRN-1579821
27 Aug 2020 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-1579821The complaintMr F has complained Barclays Bank UK PLC didn’t block a payment which he didn’t authorise. What happenedIn December 2019 a loan company Mr F had an agreement with debited him £724.88 using a continuous authority set up on his debit card. Mr F complained to Barclays ... (3 pages)View decision -
Decision Reference DRN4269966
23 Sep 2020 Loans 2 Go Limited Not upheldBanking and creditMr M complains about a loan Loans 2 Go Limited lent to him. Mr M says he was vulnerable at the time and couldn’t afford the loan. backgroundMr M took out a loan with Loans 2 Go in February 2016. The loan was for £500 secured against Mr M’s car. The loan was due to be repaid over 12 monthly... (2 pages)View decision -
Decision Reference DRN-4760385
3 May 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4760385 Complaint Mr S has complained about a loan Oakbrook Finance Limited (trading as “Finio Loans”) provided to him. He says the loan was unaffordable given his circumstances at the time and so shouldn’t have been provided. Background Finio Loans provided Mr S with a loan for £1,500... (3 pages)View decision
