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 5118 results
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Decision Reference DRN9532744
5 Sep 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr H has complained about payday loans he took out with Express Finance (Bromley) Limited (trading as Payday Express). He says Payday Express didn’t check whether the loans were affordable, and had it done so, it wouldn’t have lent to him. backgroundA summary of Mr ... (4 pages)View decision -
Decision Reference DRN-3704621
27 Sep 2022 Lloyds Bank PLC UpheldConsumer CreditDRN-3704621 The complaint Mr R complains through his representative (a relative) that Lloyds Bank PLC lent him monies on two loans he was unable to afford to repay. What happened Lloyds provided Mr R with the following loans: Date Amount Period of loan Monthly instalment* Loan 1 20/7/18 £5... (4 pages)View decision -
Decision Reference DRN-3514795
1 Jun 2022 Bank of Scotland Plc UpheldConsumer CreditDRN-3514795 The complaint Mr C complains that Bank of Scotland plc (trading as Halifax) acted irresponsibly by giving him a loan that he couldn’t afford to repay. What happened On 15 May 2019 Halifax approved Mr C’s application for a £5,000 loan. This was to be repaid in 24 monthly instalm... (4 pages)View decision -
Decision Reference DRN-2051422
12 Jan 2021 Advancis Limited UpheldConsumer CreditDRN-2051422 The complaint Mr W complains Advancis Limited trading as Buddy Loans irresponsibly lent to him. He says Buddy Loans didn’t complete reasonable and proportionate checks before approving him for a loan. He says had Buddy Loans done this, it would’ve seen the loan was unaffordable... (4 pages)View decision -
Decision Reference DRN0353598
6 Jul 2016 Covea Insurance plc UpheldInsurance (excluding PPI)S, a limited company, complains about the settlement of a claim by Covea Insurance plc under a commercial insurance policy.backgroundS made a claim under the policy following a theft. The person responsible for the theft was an ex-employee (who I’ll call Mr Z). The ... (3 pages)View decision -
Decision Reference DRN1949778
22 Jun 2016 Barclays Bank Plc Not upheldBanking and creditMrs B complains that Barclays Bank Plc closed her account. The bank did this after it said her husband was abusive to its staff when he was speaking to them about problems with the account. Mrs B’s helped in her complaint by her husband.backgroundAlthough the acc... (2 pages)View decision -
Decision Reference DRN-5071835
20 Dec 2024 Revolut Ltd Not upheldBanking and PaymentsDRN-5071835 The complaint Mr F complains that Revolut Ltd hasn’t helped him recover a payment that was sent to his account by another company. What happened In April 2024, Mr F instructed a company to transfer some money to his account with Revolut. The money was never received though a... (2 pages)View decision -
Decision Reference DRN-3098354
9 Feb 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3098354 The complaint Mr M complains that Capital One (Europe) plc provided him with credit irresponsibly. What happened Mr M’s credit card account was opened in February 2015 with a credit limit of £200. In May 2017 the credit limit was increased to £450. Mr M complained to Capital On... (4 pages)View decision -
Decision Reference DRN-4835878
29 Jul 2024 J D Williams & Company Limited Not upheldConsumer CreditDRN-4835878 Complaint Mr R has complained that J D Williams & Company Limited (“J D Williams”) irresponsibly provided him with a catalogue shopping account and subsequent credit limits. Background This complaint is about a catalogue shopping account J D Williams initially provided ... (4 pages)View decision -
Decision Reference DRN-2004512
15 Jul 2020 Gracombex Ltd UpheldConsumer CreditDRN-2004512 The complaintMr D complains that Gracombex Ltd trading as The Money Platform (“TMP”) lent to him in an irresponsible manner. What happenedI issued a provisional decision on this complaint earlier this month that I summarise below.Mr D was given 27 loans by TMP between July 201... (4 pages)View decision
