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
-
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 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 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-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 DRN2679773
28 Jun 2013 National Westminster Bank Plc Not upheldBanking and creditMr K says National Westminster Bank Plc is wrong to hold him responsible for transactions in favour of a company offering gambling services. The transactions were apparently made using his computer and security information, including a secure password. Mr K says his computer was hacked... (1 page)View decision -
Decision Reference DRN-1705111
17 Apr 2020 Shawbrook Bank Limited Not upheldConsumer CreditDRN-1705111The complaintMrs B complains that Shawbrook Bank Limited (“Shawbrook”) lent to her irresponsibly.What happenedAt the beginning of March 2018 Mrs B applied for a loan with Shawbrook. The loan was for £6,000 over a period of 36 months and the monthly repayments were around £200. S... (3 pages)View decision -
Decision Reference DRN-4222235
7 Jul 2023 Zopa Bank Limited Not upheldConsumer CreditDRN-4222235 The complaint Mr H, who is represented by a third party, complains that Zopa Bank Limited (“Zopa”) irresponsibly granted him a hire purchase agreement (“agreement”) he couldn’t afford to repay. What happened In March 2021 Mr H acquired a used car (costing £14,799.00) financed b... (3 pages)View decision -
Decision Reference DRN-4928708
5 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4928708 The complaint Mr M complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happened In April 2022 Mr M applied for a credit card with Vanquis. In his application, Mr M said he was employed full time with an income of £20,000... (3 pages)View decision -
Decision Reference DRN-4363236
25 Mar 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4363236 The complaint Mr H complains that Zopa Bank Limited irresponsibly lent to him. What happened Zopa gave Mr H access to a loan in August 2018. The loan was for £18,000, Mr H also had to pay £110 in fees. The loan was due to be repaid in 60 monthly instalments of £431.21. Mr H str... (3 pages)View decision
