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 5443 results
-
Decision Reference DRN-2519237
18 Jan 2021 National Westminster Bank Plc UpheldConsumer CreditDRN-2519237 The complaint Miss B has complained that National Westminster Bank Plc lent to her irresponsibly. She says they should have looked at her financial circumstances in more detail before agreeing to the loans as she could not afford them. What happened Ms B applied for a loan of ... (3 pages)View decision -
Decision Reference DRN-4078994
12 May 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4078994 The complaint In summary, Mr F complains that HSBC UK Bank PLC (trading as First Direct), provided him with a credit card that he wasn’t able to afford. I will refer to HSBC throughout the decision. What happened In November 2019, Mr F applied for a credit card with HSBC. The a... (4 pages)View decision -
Decision Reference DRN-2614184
19 Apr 2021 Gain Credit LLC Not upheldConsumer CreditDRN-2614184 The complaint Mr R complains that Gain Credit LLC trading as Lending Stream was irresponsible in its lending to him. What happened Mr R took out two loans with Lending Stream – one in March 2013 and one in May 2013. Loan Date Repaid Amount 1 15/03/2013 18/05/2013 £350.00 2 18/0... (4 pages)View decision -
Decision Reference DRN-5914102
28 Jan 2026 Nationwide Building Society Not upheldBanking and PaymentsDRN-5914102 The complaint Mr C complains that Nationwide Building Society irresponsibly reinstated his overdraft after his account should’ve been closed. When I refer to what Mr C or Nationwide have said or done, it should also be taken to include things said or done on their behalf. W... (3 pages)View decision -
Decision Reference DRN5304622
10 May 2018 V7 Limited UpheldBanking and creditMr B complains that V7 Limited (trading as “Vivus”) irresponsibly gave him payday loans despite him having an extremely poor credit score following many years of borrowing. backgroundMr B was given four payday loans by Vivus. As far as I can see his borrowing history i... (2 pages)View decision -
Decision Reference DRN-4819572
18 Sep 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-4819572 The complaint Mr P complains that Loans 2 Go Limited lent to him irresponsibly. He says that proper checks would have revealed he had arrears, he had a poor credit record and he carried out betting and gambling transactions. What happened Mr P took two loans with Loans 2 Go ... (5 pages)View decision -
Decision Reference DRN2681796
21 Nov 2017 Uncle Buck Finance LLP UpheldBanking and creditMrs A complains Uncle Buck Finance LLP (“UBF”) provided her with loans she couldn’t afford to repay.backgroundThe background to this complaint, and my initial two sets of findings on it, can be found in the attached provisional decisions which form a part of and shou... (9 pages)View decision -
Decision Reference DRN2290103
13 Feb 2019 Stagemount Limited Not upheldBanking and creditMr W complains that Stagemount Limited, trading as Quid Market, gave him loans he couldn’t afford to repay.backgroundMr W took out the following loans with Quid Market:date£ amount borroweddate repaid12 May 201422530 May 201421 June 201430030 June 201433 July 201430031 Ju... (2 pages)View decision -
Decision Reference DRN-4027300
25 Oct 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4027300 The complaint Mr D has complained Tesco Personal Finance PLC, trading as Tesco Bank, has lodged a fraud-related marker on the industry fraud database, CIFAS, which has inconvenienced him. What happened In 2019 Mr D amended his direct debit with Tesco Bank so that the full amoun... (2 pages)View decision -
Decision Reference DRN6291616
3 Nov 2017 Instant Cash Loans Limited UpheldBanking and creditMr A complains that Instant Cash Loans Limited (trading as Payday UK) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file.backgroundMr A took out five loans between Mar... (2 pages)View decision