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 DRN-5144596
29 Nov 2024 Lendable Ltd Not upheldBanking and PaymentsDRN-5144596 Complaint Mr M has complained about a credit card Lendable Ltd (trading as “Zable”) provided to him. He says the credit card and the subsequent credit limit increases were irresponsibly provided to him as they were unaffordable. Background Zable provided Mr M with a credit ... (3 pages)View decision -
Decision Reference DRN0153016
27 Nov 2017 Lending Stream Llc UpheldBanking and creditMr G complains about the payday loans Lending Stream LLC lent to him. He says the necessary checks weren’t carried out before lending to him and that the loans were unaffordable.backgroundI issued a provisional decision on 2 November 2017 where I set out the backgro... (7 pages)View decision -
Decision Reference DRN3171350
24 Jul 2017 Nationwide Building Society Not upheldBanking and creditMr N complains that Nationwide Building Society will not refund some disputed transactions.backgroundMr N complained to Nationwide about some payments made to an online gambling website - S. There were a number of payments made, totalling £20400, which Mr N says he ... (1 page)View decision -
Decision Reference DRN5491581
28 Nov 2017 Shop Direct Finance Company Limited Not upheldBanking and creditMr W complains that Shop Direct Finance Company Limited increased his credit limit irresponsibly.backgroundMr W opened an account with Shop Direct in 2013 with an initial credit limit of £1,000. Shortly after this he fell into arrears and owed £13.25 at which point ... (1 page)View decision -
Decision Reference DRN0540629
24 Jan 2014 Barclays Bank Plc Not upheldBanking and creditMr C complains that Barclays Bank plc will not refund a number of card transactions which he says he neither made nor authorised. backgroundA number of disputed transactions were made on Mr C’s credit card account. They included point of sale payments (that is, at shops and petrol ... (2 pages)View decision -
Decision Reference DRN1029138
23 Mar 2020 Tesco Personal Finance PLC Not upheldBanking and creditMr S complains that Tesco Personal Finance PLC (trading as Tesco Bank) charged him a cash transaction fee (and interest) on a credit card purchase.backgroundIn January 2019 Mr S bought a product on credit. He paid a deposit of £129 with his Tesco credit card, and agreed to pay the balance ... (2 pages)View decision -
Decision Reference DRN-4600109
30 Apr 2024 Santander UK Plc Not upheldConsumer CreditDRN-4600109 The complaint Mr S complains that Santander UK Plc lent to him irresponsibly. What happened Mr S applied on-line to Santander for a £10,000 loan on 18 August 2023. He supplied information on the application form, the loan was processed and approved. The total to pay over the th... (5 pages)View decision -
Decision Reference DRN5073389
30 Jan 2018 Lloyds Bank PLC UpheldBanking and creditG is a limited company. It complains that Lloyds Bank Plc mis-sold a fixed rate business loan to the company and hasn’t offered enough compensation.backgroundG took two fixed rate business loans from Lloyds – the first in 2009 and the second in 2012. The company ha... (6 pages)View decision -
Decision Reference DRN3588339
30 Jan 2018 Lloyds Bank PLC UpheldBanking and creditG is a limited company. It complains that Lloyds Bank PLC mis-sold a fixed rate business loan to the company.backgroundG took two fixed rate business loans from Lloyds – the first in 2009 and the second in 2012. The company has complained to this service about both ... (6 pages)View decision -
Decision Reference DRN2275987
8 Sep 2017 Lending Stream Llc UpheldBanking and creditMr L complains that Lending Stream LLC (Lending Stream) didn’t carry out proper affordability checks and shouldn’t have agreed to lend him the instalment loans as he couldn’t pay them back.backgroundMr L took out 12 instalment loans consecutively between January 2015 and De... (3 pages)View decision
