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 DRN0912016
25 Apr 2017 Casheuronet UK LLC UpheldBanking and creditMr H complains about four instalment loans he took out with CashEuroNet UK LLC (trading as Pounds to Pocket) which he says Pounds to Pocket shouldn’t have given him because the loans were unaffordable. backgroundMr H borrowed four instalment loans from Pounds to Pocket... (5 pages)View decision -
Decision Reference DRN9879228
30 Jun 2017 Lending Stream Llc UpheldBanking and creditMr R has complained about loans granted to him by Lending Stream LLC. He’s said they were unaffordable for him.backgroundLending Stream says it agreed 22 loans for Mr R during the period October 2011 to June 2016. The following table summarises some of the information ... (5 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-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-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 DRN3490929
15 Sep 2020 Everyday Lending Limited Not upheldBanking and creditMr C has complained about loans granted to him by Everyday Lending Limited (“EDL”). He says that EDL was irresponsible when it agreed to lend to him. background EDL agreed two loans for Mr C: a loan of £1,800 in May 2011 and a second of £3,000 in December 2011. Most of the second loan was... (5 pages)View decision -
Decision Reference DRN3073750
19 Feb 2020 The Royal Bank of Scotland Plc Not upheldBanking and creditMiss R’s complaint relates to seven transactions, totalling £610, which she claimed she didn’t make or authorise herself. She was unhappy The Royal Bank of Scotland Plc (“RBS”) didn’t accept her claim and refused to refund £610 to her; with how the bank dealt with her and her claim after s... (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-3689799
20 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3689799 The complaint Miss B complains that NewDay Ltd trading as Aqua have irresponsibly lent to her. What happened Miss B was accepted for a NewDay branded credit card in February 2020 with a £900 credit limit. This was later increased to £1,650 in August 2020. She says that NewDay i... (4 pages)View decision
