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
-
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 DRN9005742
27 Oct 2017 Bamboo Limited Not upheldBanking and creditMiss P complains that Bamboo Limited mis-sold her a loan she could not afford.backgroundIn January 2017 Miss P applied to Bamboo for a loan of £10,000. It offered her £5,000 and she took it. This loan was guaranteed by a third party and was to be repaid over five y... (2 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-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-3550636
17 Jun 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3550636 The complaint Mr L complains about a loan provided to him by Loans 2 Go Limited, (“L2G”), which he says was unaffordable. He also complained that he felt he was being overcharged interest. What happened L2G entered into an agreement for a loan for Mr L in March 2019. The loan w... (7 pages)View decision -
Decision Reference DRN-4667187
21 May 2024 Commsave Credit Union Limited Not upheldConsumer CreditDRN-4667187 The complaint Mr W complains that Commsave Credit Union Limited lent to him irresponsibly. What happened A lending relationship existed between Mr W and Commsave over a period of time and Mr W’s complaint here focuses on his loans from August 2022 to May 2023. The relevant loan... (4 pages)View decision -
Decision Reference DRN5203624
20 Oct 2016 MEM Consumer Finance Limited UpheldBanking and creditMr C complains that MEM Consumer Finance Limited (trading as Payday UK) agreed to give him three loans that he couldn’t afford to repay.backgroundMr C first borrowed from Payday UK in May 2013 – the loan was for £450. A couple of days after repaying that loan, in Jun... (2 pages)View decision -
Decision Reference DRN2972228
27 Sep 2019 Barclays Bank UK PLC Not upheldBanking and creditMr B has complained that Barclays Bank UK Plc increased his credit card limit twice in 2014 without properly checking to make sure this was affordable. backgroundThe original limit for Mr B’s credit card account was £400. This increased to £800 in April 2013. Mr B tended to pay more than t... (4 pages)View decision -
Decision Reference DRN-3963086
22 Feb 2023 Oplo PL Ltd UpheldConsumer CreditDRN-3963086 The complaint Ms D says Oplo PL Ltd, trading as 1st Stop Personal Loans, irresponsibly lent to her. What happened Ms D took out a 30-month instalment loan from Oplo on 14 February 2018. It was for £3,000 and the monthly repayments were £137.20 The total repayable was £4,116. Ms... (4 pages)View decision
