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 DRN-3072468
4 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3072468 The complaint Mr C complains about lending made to him through four separate credit card accounts by NewDay Ltd. What happened Mr C said that NewDay had lent him money through four separate credit card accounts, starting in 2015. He said that none of this lending was affordabl... (7 pages)View decision -
Decision Reference DRN2164980
26 Jun 2018 Active Securities Limited UpheldBanking and creditMr D says Active Securities Limited, trading as 247 Moneybox, lent to him irresponsibly. He says 247 Moneybox didn’t carry out the right affordability checks and lent to him when he was also borrowing from various other lenders.backgroundI issued a provisional decision o... (6 pages)View decision -
Decision Reference DRN5882847
22 Jun 2020 Oakbrook Finance Limited UpheldBanking and creditMrs E thinks that Oakbrook Finance Limited, trading as Likely Loans, treated her unfairly when it lent her money in August 2018.background In August 2018, Likely Loans lent Mrs E £1,000, which Mrs E agreed to repay, with interest, over 12 months. The monthly repayments were £115.96, and if... (3 pages)View decision -
Decision Reference DRN4358147
30 Oct 2017 Nationwide Building Society Not upheldInvestment and pensionsMr H complains that Nationwide Building Society’s advice to invest in a Guaranteed Equity Bond was unsuitable. Mr H is being represented by a claims management company (CMC).backgroundMr H complained that the advice to invest in the World Guaranteed Equity Bond in 1999 ... (2 pages)View decision -
Decision Reference DRN0933751
13 Dec 2017 Amigo Loans Ltd Not upheldBanking and creditMr L complains that three guarantor loans from Amigo Loans Limited (“ALL”) were unaffordable and so ALL was irresponsible to lend to him.backgroundMr L took out three loans from ALL as follows:-LoanDate of LoanAmountTermMonthly payment1.14/4/2010£3,30036 months£151.192.22... (3 pages)View decision -
Decision Reference DRN6013223
30 Mar 2020 Barclays Bank UK PLC Not upheldBanking and creditComplaintMr G and Mrs G have complained that Barclays Bank UK PLC won’t refund a transaction, which they say they didn’t make.BackgroundMr G and Mrs G want Barclays to refund a £900 payment to a betting shop, which was made with Mr G’s debit card and PIN. Mr G said he didn’t authorise the ... (4 pages)View decision -
Decision Reference DRN-3036281
17 Sep 2021 Nationwide Building Society UpheldBanking and PaymentsDRN-3036281 The complaint Miss G’s complaint came up because of the way Nationwide Building Society handled her basic account when it went overdrawn. Her complaint has expanded, as she’s unhappy with the steps Nationwide have taken over the years to help her with her mental health issues a... (6 pages)View decision -
Decision Reference DRN-2294968
29 Mar 2021 1plus1 Loans Limited UpheldConsumer CreditDRN-2294968 Complaint Miss A has complained that 1plus 1 Loans Limited (trading as “1plus 1 Loans”) provided her with an unaffordable guarantor loan at a time when she had a gambling addiction. Background 1plus 1 Loans provided Miss A with a loan of £4,000.00 in May 2018. This loan had an... (6 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-5601663
13 Jun 2025 Oakbrook Finance Limited UpheldBanking and PaymentsThe complaint Mr R, who is represented by a third party, complains that Oakbrook Finance Limited, trading as Likely Loans (‘Likely Loans’), was irresponsible in providing him with five loans. What happened Mr R was provided with five fixed sum loan agreements between September 2020 and Mar... (5 pages)View decision
