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 DRN3501286
12 Dec 2019 Amigo Loans Ltd Not upheldBanking and creditMr D complains Amigo Loans Ltd discussed his loan account with an unauthorised third party, which in turn caused his mental wellbeing to suffer. background Mr D took out a guarantor loan with Amigo and his brother stands as the guarantor. Amigo took a phone call from a third party claimin... (2 pages)View decision -
Decision Reference DRN-4293722
10 Jan 2024 My Finance Club Limited Not upheldConsumer CreditDRN-4293722 The complaint Mr S complains that My Finance Club Limited (“MFC”) irresponsibly lent to him. He says had better checks been carried out, the loans won’t have been lent. What happened MFC lent Mr S two loans in July 2022. From the information provided, the lending history was as... (2 pages)View decision -
Decision Reference DRN-2051422
12 Jan 2021 Advancis Limited UpheldConsumer CreditDRN-2051422 The complaint Mr W complains Advancis Limited trading as Buddy Loans irresponsibly lent to him. He says Buddy Loans didn’t complete reasonable and proportionate checks before approving him for a loan. He says had Buddy Loans done this, it would’ve seen the loan was unaffordable... (4 pages)View decision -
Decision Reference DRN9532744
5 Sep 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr H has complained about payday loans he took out with Express Finance (Bromley) Limited (trading as Payday Express). He says Payday Express didn’t check whether the loans were affordable, and had it done so, it wouldn’t have lent to him. backgroundA summary of Mr ... (4 pages)View decision -
Decision Reference DRN-6044062
5 Jan 2026 Oakbrook Finance Limited Not upheldConsumer CreditDRN-6044062 The complaint Mr F says Oakbrook Finance Limited, trading as Finio Loans, irresponsibly lent to him. What happened Mr F took out three loans from Finio as set out below. loandate valueterm monthly repayments status 1 02/02/2022 £1,00012 £99.14settled 3/22 2 21/11/2022 £2,00... (4 pages)View decision -
Decision Reference DRN-3704621
27 Sep 2022 Lloyds Bank PLC UpheldConsumer CreditDRN-3704621 The complaint Mr R complains through his representative (a relative) that Lloyds Bank PLC lent him monies on two loans he was unable to afford to repay. What happened Lloyds provided Mr R with the following loans: Date Amount Period of loan Monthly instalment* Loan 1 20/7/18 £5... (4 pages)View decision -
Decision Reference DRN-3514795
1 Jun 2022 Bank of Scotland Plc UpheldConsumer CreditDRN-3514795 The complaint Mr C complains that Bank of Scotland plc (trading as Halifax) acted irresponsibly by giving him a loan that he couldn’t afford to repay. What happened On 15 May 2019 Halifax approved Mr C’s application for a £5,000 loan. This was to be repaid in 24 monthly instalm... (4 pages)View decision -
Decision Reference DRN-5212085
14 Jan 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5212085 The complaint Mr M complains that HSBC UK Bank Plc declined a transaction that he made to the Home Office for a visa application. He’s also unhappy about the service he received whilst trying to resolve the issue. What happened On 30 July 2024 Mr M made a payment of £16,925.... (2 pages)View decision -
Decision Reference DRN-3204621
3 Nov 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3204621 The complaint Mrs B complains that Barclays Bank UK PLC trading as Barclaycard irresponsibly lent to her. What happened Mrs B’s credit card account was opened in 1995. An initial credit limit of £750 was approved and was later increased as follows: The credit limit was later re... (5 pages)View decision -
Decision Reference DRN-2825186
21 May 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2825186 The complaint Mr D is unhappy that Barclays Bank UK PLC approved him for a credit account which he believes was unaffordable for him at that time. What happened In March 2017, Mr D applied for a credit account with Barclays online. His application was approved, and Mr D was acc... (5 pages)View decision