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 4630 results
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Decision Reference DRN5768333
6 Dec 2019 Provident Personal Credit Limited UpheldBanking and creditComplaintMr K complains that Provident Personal Credit Limited (trading as Satsuma Loans) lent money to him that he couldn’t afford to repay.BackgroundBased on the information, Satsuma Loans provided Mr K with three instalment loans between March and September 2018. LoanDateRepaidInstalmen... (3 pages)View decision -
Decision Reference DRN4700520
23 Sep 2015 Santander UK Plc Not upheldBanking and creditMr C complains Santander UK Plc won’t refund him money that’s been taken out of his account. He says he didn’t agree to the money being taken – in other words, he didn’t authorise the payments.backgroundThere’s some disagreement between Mr C and Santander about what ... (3 pages)View decision -
Decision Reference DRN-2495797
23 Feb 2021 Avantcredit Of Uk, Llc Not upheldConsumer CreditDRN-2495797 Complaint Mr H has complained about loans AvantCredit of UK, LLC (trading as “Avant Credit”) provided to him. He says he had a gambling addiction and had no way of paying his loan back. Background Avant Credit provided Mr H with a loan of £1,400.00 in April 2016. This loan was ... (3 pages)View decision -
Decision Reference DRN-2870528
19 Apr 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2870528 The complaint Ms B has complained that Vanquis Bank Limited acted irresponsibly when it provided her with a credit card in February 2018. Background Ms B applied for, and was given, a credit card from Vanquis in February 2018. She has told us that at this time she was gambling ... (2 pages)View decision -
Decision Reference DRN-3499944
7 Jun 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3499944 The complaint Mr C says that Lloyds Bank PLC (“Lloyds”) acted irresponsibly by allowing him to increase his overdraft limit to £5,000. He says Lloyds failed to carry out the correct credit checks. What happened One of our adjudicators looked into Mr C’s concerns and didn’t thin... (3 pages)View decision -
Decision Reference DRN-4077423
13 Apr 2023 Advanced Payment Solutions Limited UpheldBanking and PaymentsDRN-4077423 The complaint Mr N has complained that Advanced Payment Solutions Limited trading as Cashplus (“Cashplus”) acted irresponsibly when it provided him with a credit card in October 2021. In addition, he has also complained that Cashplus failed to close his account or block his car... (3 pages)View decision -
Decision Reference DRN-3873837
25 Jan 2023 Zopa Bank Limited UpheldConsumer CreditDRN-3873837 The complaint Mr L complains that Zopa Bank Limited gave him personal loans without properly checking affordability or his creditworthiness. What happened Mr L took out two loans with Zopa: 1. In 2021, for £5,000 over 12 months, with a monthly payment of £489.57. 2. In 2022, fo... (3 pages)View decision -
Decision Reference DRN0067790
28 Jun 2018 Avantcredit Of Uk, Llc Not upheldBanking and creditMiss P complains that AvantCredit of UK LLC (trading as AvantCredit) lent money to her at a time when she was unable to afford the repayment.backgroundMiss P applied for a loan with AvantCredit in 2016. She borrowed £6000 on 3 March 2016 with £9,595.77 to be rep... (3 pages)View decision -
Decision Reference DRN-3069691
24 Sep 2021 Everyday Lending Limited UpheldConsumer CreditDRN-3069691 The complaint Mr M complains that Everyday Lending Limited (trading as Everyday Loans) granted him a loan that was unaffordable for him. What happened In June 2017, Mr M took out a loan for £3,000 with Everyday Lending. The loan was to be repaid over 36 months with the repaymen... (3 pages)View decision -
Decision Reference DRN-4457529
14 Dec 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4457529 The complaint Mr C complains that Lloyds Bank Plc will not refund payments he says he did not make. What happened Between January and June 2022 a series of transfers and card payments were made from Mr C’s Lloyds accounts. These were either transfers to Mr C’s brother, Mr D, or... (3 pages)View decision
