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 4727 results
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Decision Reference DRN-4932525
7 Aug 2024 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4932525 The complaint Mr H complains that Tesco Personal Finance PLC, trading as Tesco Bank, irresponsibly provided him with a credit card account he couldn’t afford. What happened In May 2021 Tesco opened a credit card account for Mr H. The credit limit was set at £6,800. In 2024,... (3 pages)View decision -
Decision Reference DRN-4950382
21 Aug 2024 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-4950382 Complaint Mr H has complained that Creation Consumer Finance Ltd (“Creation”) irresponsibly provided him with an unaffordable credit account. He’s said that the credit account he was given was not affordable. Background Mr H was provided with a credit account, with a credit... (3 pages)View decision -
Decision Reference DRN-4338227
2 Oct 2023 Match the Cash Limited Not upheldConsumer CreditDRN-4338227 Complaint Mr L has complained that Match the Cash Limited (“Match the Cash”) trading as www.gurantorloan.co.uk unfairly brought about an unaffordable guarantor loan for him. He says proper affordability checks weren’t carried out and if they had been it would have been clear th... (3 pages)View decision -
Decision Reference DRN3959208
5 Nov 2018 Clydesdale Bank Plc Not upheldBanking and creditMrs E’s complaint is about the charges she’s paid for an overdraft on a new account that Clydesdale Bank Plc (Clydesdale) set up for her in 2016. Mrs E says that she already had an overdrawn account with Clydesdale at that time and it shouldn’t have given her anoth... (3 pages)View decision -
Decision Reference DRN3705317
15 Dec 2018 Instant Cash Loans Limited Not upheldBanking and creditMr B complains about two loans he took out with Instant Cash Loans Limited, trading as Payday UK, (“ICL”). He said that ICL shouldn’t have given him the loans as they were unaffordable. The complaint is brought to this service on Mr B’s behalf by a claims management ... (3 pages)View decision -
Decision Reference DRN4861087
15 Feb 2019 Instant Cash Loans Limited Not upheldBanking and creditMr T complains about a loan he took out with Instant Cash Loans Limited, trading as Payday Express, (“ICL”). He said that ICL shouldn’t have given him the loan as it was unaffordable. backgroundMr T took out a loan for £1,250 with ICL on 13 May 2016. The loan was ... (3 pages)View decision -
Decision Reference DRN6835838
20 Apr 2017 Instant Cash Loans Limited UpheldBanking and creditMiss C complains that Instant Cash Loans Limited (trading as Payday Express) made short- term loans to her when it shouldn’t have.backgroundMiss C had Payday Express loans before and after February 2015. After that date, Instant Cash Loans Limited has traded as Payda... (3 pages)View decision -
Decision Reference DRN-4589091
26 Feb 2024 Bank of Ireland (UK) Plc UpheldConsumer CreditDRN-4589091 The complaint Mr S says Bank of Ireland (UK) Plc (BOI) irresponsibly lent to him. What happened BOI agreed a loan for Mr S in May 2019. The loan was for £17,500 to be repaid in monthly instalments of £383.08 over five years, and the total amount owed was £22,984.80. Mr S says t... (3 pages)View decision -
Decision Reference DRN5667799
15 Mar 2018 Avantcredit Of Uk, Llc Not upheldBanking and creditMr B complains that AvantCredit of UK, LLC (Avant) provided him with a loan when he had a lot of other outstanding debts. He says he could not afford the loan repayments.backgroundMr B took out a loan with Avant in April 2016 for £4,000. The loan was repayable ov... (3 pages)View decision -
Decision Reference DRN-2578508
22 Feb 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2578508 The complaint Mr B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card then later increased the credit limit. What happened In December 2014 Mr B applied for a credit card with Aqua. Mr B’s application said he was a tenant, employed ear... (3 pages)View decision
