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
-
Decision Reference DRN1295740
12 Dec 2017 MEM Consumer Finance Limited Not upheldBanking and creditMr C complains that MEM Consumer Finance Limited (trading as Payday UK) gave him a loan that he couldn’t afford.backgroundMr C took out a loan for £300 with Payday UK in July 2013. The total repayment due, including interest, was just under £390.Mr C deferred repaymen... (2 pages)View decision -
Decision Reference DRN-2519237
18 Jan 2021 National Westminster Bank Plc UpheldConsumer CreditDRN-2519237 The complaint Miss B has complained that National Westminster Bank Plc lent to her irresponsibly. She says they should have looked at her financial circumstances in more detail before agreeing to the loans as she could not afford them. What happened Ms B applied for a loan of ... (3 pages)View decision -
Decision Reference DRN-4078994
12 May 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4078994 The complaint In summary, Mr F complains that HSBC UK Bank PLC (trading as First Direct), provided him with a credit card that he wasn’t able to afford. I will refer to HSBC throughout the decision. What happened In November 2019, Mr F applied for a credit card with HSBC. The a... (4 pages)View decision -
Decision Reference DRN-2614184
19 Apr 2021 Gain Credit LLC Not upheldConsumer CreditDRN-2614184 The complaint Mr R complains that Gain Credit LLC trading as Lending Stream was irresponsible in its lending to him. What happened Mr R took out two loans with Lending Stream – one in March 2013 and one in May 2013. Loan Date Repaid Amount 1 15/03/2013 18/05/2013 £350.00 2 18/0... (4 pages)View decision -
Decision Reference DRN-4819491
19 Aug 2024 TSB Bank plc Not upheldConsumer CreditDRN-4819491 The complaint Miss G complains that TSB Bank plc lent to her irresponsibly. Miss G says that TSB should have known from the transactions on her current account and her credit card that she was gambling and so not lent to her. Miss G also complains about a telephone call she ... (8 pages)View decision -
Decision Reference DRN-4348873
17 Oct 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4348873 The complaint Mrs W complains that Vanquis Bank Limited irresponsibly lent to her. What happened Mrs W applied for a credit card from Vanquis in September 2014. It gave her a £250 credit limit and increased this to £500 in March 2015 and to £1,500 in March 2017. Vanquis upheld ... (2 pages)View decision -
Decision Reference DRN-3244990
3 Feb 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3244990 The complaint Mr Y has complained that Lloyds Bank Plc should not have provided him with an overdraft facility. What happened Mr Y complained to Lloyds about the overdraft facility on his account, he said that he was struggling with gambling and payday lending and that Lloyds t... (2 pages)View decision -
Decision Reference DRN-5321357
19 Mar 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5321357 The complaint Mr M complains that Nationwide Building Society (NBS) acted irresponsibly in agreeing to his application for a credit card. What happened In June 2024 Mr M applied for a credit card account with NBS. His application was successful and a credit limit of £4,500 w... (3 pages)View decision -
Decision Reference DRN-5298768
27 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5298768 The complaint Mr D complains that Vanquis Bank Limited irresponsibly lent to him. Mr D is represented by a solicitor’s firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr D himself. What happe... (2 pages)View decision -
Decision Reference DRN2175262
18 Oct 2018 Nationwide Building Society Not upheldBanking and creditMr R complains that Nationwide Building Society used their right of set off to take all the money he had in his bank account to reduce a loan he had with them.backgroundMr R had a loan from Nationwide and, due to missed payments, a default notice was sent on 29 S... (2 pages)View decision
