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 DRN-2527880
14 Apr 2021 Oplo HL Ltd Not upheldMortgagesDRN-2527880 The complaint Mr and Mrs I complain that OPLO HL Ltd trading as 1st Stop Secured Loans sold them a product with too high an interest rate and they didn’t understand the implications of that. The lender didn’t properly consider their expenditure including childcare costs. What ... (2 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-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-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-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 -
Decision Reference DRN-3310064
14 Feb 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3310064 Complaint Mr B has complained that HSBC UK Bank Plc (“HSBC”) irresponsibly provided increased his overdraft and credit card limits as well as irresponsibly provided him with a personal loan. Background HSBC increased Mr B’s overdraft limit from £1,500.00 to £3,000.00 in Septemb... (4 pages)View decision -
Decision Reference DRN-3049857
25 Feb 2022 UK Credit Limited UpheldConsumer CreditDRN-3049857 The complaint Mr C complains that UK Credit Limited irresponsibly lent to him when he took out a guarantor loan with it. What happened Mr C borrowed £5000 with UK Credit Limited in 2016 with a guarantor loan. He complained in 2019 that the loan had been irresponsibly lent to hi... (4 pages)View decision -
Decision Reference DRN-2940530
22 Nov 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2940530 The complaint Mr B is unhappy that Barclays Bank UK PLC, trading as Barclaycard, provided him with credit which he feels was unaffordable for him. What happened Mr B had a credit card account with Barclaycard. In June 2017 his credit limit was increased from £2,600 to £3,900. A... (4 pages)View decision -
Decision Reference DRN-4838041
10 Jun 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4838041 The complaint Mr M complains that NewDay Ltd acted irresponsibly in lending him two credit cards. What happened Mr M took out a credit card with NewDay under its Aqua brand in June 2021, with a credit limit of £600. In November 2022, Mr M took out a further credit card with New... (4 pages)View decision
