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 DRN9332401
8 Aug 2017 Instant Cash Loans Limited UpheldBanking and creditMr N complains about loans he took out with Instant Cash Loans Limited (trading as Payday UK) which he says shouldn’t have been given to him because they weren’t unaffordable. backgroundThe background to this complaint was set out in my provisional decision in July 20... (4 pages)View decision -
Decision Reference DRN9161599
27 Mar 2021 TSB Bank plc Not upheldBanking and creditMr D complains that TSB Bank pic increased his cash withdrawal limit without notifying him and he’d like TSB to reinstate the lower cash withdrawal limit he previously agreed. background Mr D explained that he had previously agreed a daily cash withdrawal limit of £50 to he... (3 pages)View decision -
Decision Reference DRN5084365
28 Apr 2016 Madison CF UK Limited UpheldBanking and creditMs E complains that Madison CF UK Limited (trading as 118118 Money) lent to her irresponsibly.backgroundMs E applied for a £1,000 loan from the business in May 2015. She says that the business should not have provided this to her.Ms E says that the bank statement ... (3 pages)View decision -
Decision Reference DRN-3897809
5 May 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3897809 The complaint Mr B complains about Barclays Bank UK PLC. He says that Barclays didn’t do enough to protect him from becoming the victim of a scam and would like Barclays to refund the money he has lost. What happened Mr B was introduced to a website by someone he met on an onli... (3 pages)View decision -
Decision Reference DRN8784530
18 Dec 2017 Lending Stream Llc UpheldBanking and creditMr D has complained about instatement loans he’s taken with Lending Stream LLC (Lending Stream) between March and November 2016. Mr D says Lending Stream lent to him irresponsibly. backgroundA summary of Mr D’s borrowing history can be found below;loan numberloan amoun... (4 pages)View decision -
Decision Reference DRN-3990051
24 Apr 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3990051 The complaint Miss A has complained that Barclays Bank UK PLC won’t refund transactions she says she didn’t make or otherwise authorise. What happened In autumn 2022, Miss A was abroad. She says was using her phone a lot in a restaurant and someone must have overlooked her ente... (3 pages)View decision -
Decision Reference DRN-3722313
4 Nov 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3722313 The complaint Miss T complains that Everyday Lending Limited trading as Everyday Loans (Everyday) irresponsibly lent her money on a high cost loan which she couldn’t afford the repayments for. What happened Everyday provided a loan to Miss T on 13 February 2017, of £3,000 repay... (4 pages)View decision -
Decision Reference DRN-4951026
21 Aug 2024 Sainsbury's Bank Plc UpheldConsumer CreditDRN-4951026 The complaint Mr H complains that Sainsbury’s Bank Plc lent irresponsibly when it approved two loan applications he made. What happened In January 2019 Mr H applied for a loan of £7,000 with Sainsbury’s Bank. Mr H said he was self employed and that his income was £31,200 wh... (3 pages)View decision -
Decision Reference DRN9897151
16 Mar 2017 Active Securities Limited UpheldBanking and creditMr E complains that Active Securities Limited (trading as 24/7 Money Box) was irresponsible to lend money to him. backgroundI issued a provisional decision in February 2017 where I explained why I planned to uphold Mr E’s complaint in part. An extract of this is at... (3 pages)View decision -
Decision Reference DRN-2942771
27 Sep 2021 TFS Loans Limited UpheldConsumer CreditDRN-2942771 The complaint Miss L has complained that TFS Loans Limited (“TFS Loans”) provided her with an unaffordable loan. What happened TFS Loans provided Miss L with a loan of £7,500 in April 2017. This loan had a 60-months term with a monthly repayment amount of £293.19. This all mea... (4 pages)View decision
