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
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Decision Reference DRN4898929
25 Jan 2018 DJS (UK) Limited Not upheldBanking and creditMr D complains that DJS (UK) Limited (trading as Piggybank) lent to him irresponsibly.backgroundMr D took out an £800 instalment loan with Piggybank in September 2017. He says that had Piggybank carried out adequate checks it would not have lent to him. He says that ... (2 pages)View decision -
Decision Reference DRN-5137755
20 Dec 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5137755 Complaint Mr M has complained about a loan Oakbrook Finance Limited (trading as “Finio Loans”) provided to him. He says he shouldn’t have been lent to as he wasn’t working at the time of his application and this meant that Finio Loans shouldn’t have lent to him. Background... (4 pages)View decision -
Decision Reference DRN-3103218
17 Oct 2021 Bamboo Limited Not upheldConsumer CreditDRN-3103218 The complaint Mr Y complains about 3 loans provided to him by Bamboo Limited trading as “Bamboo”, which he says were unaffordable. What happened Mr Y was given 3 loans by Bamboo. The details of these are as follows: Number Date taken Amount Term Repayment 1 02/08/2018 £3000 24 ... (3 pages)View decision -
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 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 DRN-4388035
3 Nov 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4388035 The complaint Mr R complains that Bank of Scotland plc trading as Halifax (“Halifax”) failed to refund transactions he didn’t recognise. What happened Mr R had difficulties accessing his online account and also noticed that his bank card was missing. He reported this to Halifax... (4 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