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
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Decision Reference DRN2177461
10 Aug 2016 Bank of Scotland Plc Not upheldBanking and creditMrs W complains that Bank of Scotland plc, trading as Halifax, won’t refund a number of transactions on her account that she says she doesn’t recognise.backgroundIn July 2015 Mrs W told Halifax, that although she still had her debit card, there were a number of tra... (3 pages)View decision -
Decision Reference DRN-4414608
13 Nov 2023 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4414608 The complaint Mr P complains that Tesco Personal Finance PLC trading as Tesco Bank (‘Tesco Bank’) irresponsibly gave a loan that he couldn’t afford. What happened In July 2016 Mr P asked for and was given a loan for £6,000 which had a term of five years. The purpose of the loan... (3 pages)View decision -
Decision Reference DRN-3167884
6 Jan 2022 TFS Loans Limited UpheldConsumer CreditDRN-3167884 The complaint Mr M complains that TFS Loans Limited lent to him in an irresponsible manner. What happened Mr M was given a single loan by TFS in March 2017. He borrowed £7,500 and agreed to repay the loan in 48 monthly instalments. Mr M repaid his loan in December 2020. Mr M’s ... (3 pages)View decision -
Decision Reference DRN2270979
8 Jan 2014 Bank of Scotland Plc Not upheldBanking and creditK complains through its directors that Bank of Scotland plc (trading in this instance as Halifax) failed to identify fraudulent activity on the account of one its customers, and that this caused K loss. backgroundK employed Mr D as its bookkeeper. Mr D arranged fraudulent transfers from ... (1 page)View decision -
Decision Reference DRN-4274531
15 Jan 2024 Evergreen Finance London Limited Not upheldConsumer CreditDRN-4274531 The complaint Mr H complains that Evergreen Finance London Limited trading as Moneyboat irresponsibly lent to him. What happened Moneyboat lent Mr H four instalment loans between August 2020 and September 2022, the details of the loans are as follows: Loan number Start date Loa... (3 pages)View decision -
Decision Reference DRN4280451
4 Jan 2018 CURO TRANSATLANTIC LIMITED Not upheldBanking and creditMr M complains that Curo Transatlantic Limited trading as WageDay Advance (“WDA”) gave him loans that he couldn’t afford to repay.background Mr M was given four loans by WDA between January and April 2016. Mr M successfully repaid the first three loans, but a balan... (3 pages)View decision -
Decision Reference DRN9513033
14 Jul 2017 MYJAR Limited UpheldBanking and creditMr K complains that MYJAR Limited gave him loans without checking he could repay them. backgroundMr K took out the following instalment loans with MYJAR:date amount borrowedoriginal term date repaid119 December 2015£10033 days31 December 2015222 April 2016£450189 days19 ... (3 pages)View decision -
Decision Reference DRN-4119548
3 Jul 2023 Buffa Loans Ltd Not upheldConsumer CreditDRN-4119548 The complaint Mr M complains through a representative that Buffa Loans Ltd (Buffa) gave him loans without carrying out proportionate affordability checks. What happened Mr M took three loans from Buffa, and I’ve outlined a summary of his borrowing below. loan number loan amount... (3 pages)View decision -
Decision Reference DRN-4883358
22 Jul 2024 Bank of Scotland Plc Not upheldConsumer CreditDRN-4883358 The complaint Mr O complains that in 2017 Bank of Scotland plc, trading as Halifax, lent to him without doing the right checks. He says he had other debt which Halifax ought to have known about. Mr O says that Halifax did not account for his mental health at the time and an... (6 pages)View decision -
Decision Reference DRN-4742046
30 Apr 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4742046 The complaint Mr P complains that Monzo Bank Ltd irresponsibly gave him a credit card account that he couldn’t afford to repay What happened Mr P held a current account with Monzo. In February 2022, he applied for a credit card that would be linked to his current account. Monzo... (6 pages)View decision
