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 4648 results
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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 DRN5345923
7 Mar 2018 Gain Credit LLC Not upheldBanking and creditMr D complains that Lending Stream LLC was irresponsible to lend him money.background Mr D had ten six-month instalment loans from Lending Stream between April 2015 and February 2017 as follows:Loan Date Amount DueRepaid Notes 123 Apr 2015£20030 Oct 20151 Oct 2015216 Jul 20... (3 pages)View decision -
Decision Reference DRN-3491291
20 May 2022 Shelby Finance Ltd UpheldConsumer CreditDRN-3491291 The complaint Mr W complains that the loans he had from Shelby Finance Ltd (trading as Dot Dot Loans) were unaffordable. What happened Mr W had five loans from Dot Dot Loans between February 2020 and November 2021 as follows: Loan Date Amount Term Monthly Repayment Due Repaid 1... (3 pages)View decision -
Decision Reference DRN1991796
23 Aug 2019 PDL Finance Limited UpheldBanking and creditMiss T says PDL Finance Limited (trading as “Mr Lender”) irresponsibly lent to her as it ought to have seen that she had previously had problems managing debt.backgroundThis complaint is about five High-Cost Short-Term Credit instalment loans Mr Lender provided to Miss T between November 2... (3 pages)View decision -
Decision Reference DRN-4600375
11 Sep 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4600375 The complaint Mr G complains that Moneybarn No. 1 Limited (‘Moneybarn’) irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In November 2021, Mr G acquired a used car financed by a conditional sale agreement from Moneybarn. Mr G... (3 pages)View decision -
Decision Reference DRN-1699318
27 Mar 2020 Indigo Michael Limited UpheldConsumer CreditDRN-1699318 ComplaintMiss H has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) irresponsibly lent to her which caused her to be financially dependent on its loans. Miss H says SNC should have noticed that the loans were increasing in size and her repeated use w... (6 pages)View decision -
Decision Reference DRN-1862219
13 Sep 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-1862219 The complaint Ms F complains about Barclay Bank UK PLC’s decision to not refund her transactions which took place on her account in 2019 which she says she didn’t make or authorise. What happened Ms F opened an account with a betting website who I’ll refer to as ‘C’ in 2018. Sh... (5 pages)View decision -
Decision Reference DRN-3340908
28 Feb 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3340908 The complaint Mr S has complained that Lloyds Bank PLC (“Lloyds”) provided an overdraft to him that was unaffordable. What happened Mr S held a current account with Lloyds which had an overdraft attached to it. In May 2017, Lloyds approved an application from Mr S to increase t... (4 pages)View decision -
Decision Reference DRN-3236519
27 Jan 2022 MBNA Limited UpheldBanking and PaymentsDRN-3236519 The complaint Mr L has complained that MBNA Limited was irresponsible in lending to him. What happened In 2016, Mr L took out a credit card with MBNA for £10,000. The limit was increased to £13,000 over the following 18 months. The account was later closed. In 2021, Mr L compla... (3 pages)View decision -
Decision Reference DRN-2772561
12 May 2021 Madison CF UK Limited Not upheldConsumer CreditDRN-2772561 The complaint Miss B complains that Madison CF UK Limited (trading as 118 118 Money) acted irresponsibly by granting her a loan that was unaffordable for her. What happened In October 2017, Miss B took out a loan with Madison for £2,000. It was to be paid back over 18 months in... (3 pages)View decision
