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 4777 results
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Decision Reference DRN1118240
14 Mar 2017 Barclays Bank Plc UpheldBanking and creditMr A complains that Barclays Bank Plc gave him a loan irresponsibly as it is unaffordable and he now has financial difficulties. .backgroundMr A applied for a loan from Barclays in November 2013. He says it was un affordable and relevant checks were not carried out. He... (2 pages)View decision -
Decision Reference DRN1743889
13 May 2019 Lloyds Bank PLC Not upheldBanking and creditMr M complains about charges Lloyds Bank PLC (“Lloyds”) applied to his current account which contributed to his financial difficulties.backgroundI set out the background to this complaint and my provisional findings by way of a provisional decision – a copy of which is ... (4 pages)View decision -
Decision Reference DRN4839269
1 Aug 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr K complains that CURO Transatlantic Limited trading as Wage Day Advance (WDA) gave him unaffordable payday loans and an instalment loan.backgroundA summary of Mr K’s borrowing history is as follows;loan numberloan amountreceived date actual repayment date 1 £120.00... (4 pages)View decision -
Decision Reference DRN9725286
25 Jan 2018 Lending Stream Llc UpheldBanking and creditMr S complains Lending Stream LLC lent to him irresponsibly.backgroundMr S took out seven loans with Lending Stream between November 2012 and January 2017. I’ve included some of the information we’ve received about these loans in the table below:LoanDate Date paidAdvance Hi... (4 pages)View decision -
Decision Reference DRN-4258659
14 Dec 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4258659 The complaint Mr B complains Valour Finance Limited trading as Savvy.co.uk (Valour) provided him with loans without carrying out appropriate affordability checks. What happened Mr B received two loans from Valour; 1. £400 loan on 29 June 2021 payable in 6 monthly instalments. 5... (4 pages)View decision -
Decision Reference DRN-4687579
16 Mar 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4687579 The complaint Miss F complains that Moneybarn No.1 Limited trading as Moneybarn acted unfairly in agreeing to a loan which she said was unaffordable for her. Miss F is represented by a third party but for ease of reading I will only refer to Miss F in my decision. What happened... (4 pages)View decision -
Decision Reference DRN2170917
1 Jul 2014 Bank of Scotland Plc Not upheldBanking and creditMr D complains that Bank of Scotland plc (“Intelligent Finance”) has held him responsible for a debt created on his account when he made transactions which left it over £13,000 overdrawn. This was despite the authorised overdraft limit being less than £1,000.background The circumstances ... (5 pages)View decision -
Decision Reference DRN-4817237
13 Jun 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4817237 Complaint Mr W says that Santander UK Plc (“Santander”) unfairly provided him with an overdraft and then increased its limit in circumstances where it was evident he was unable to repay to what he owed. Background In April 2020, Mr W successfully applied for an overdraft. He wa... (4 pages)View decision -
Decision Reference DRN-2043640
13 Sep 2020 Everyday Lending Limited UpheldConsumer CreditDRN-2043640The complaintMr H has complained about a guarantor loan that was given to him by Everyday Lending Limited (EDL). What happenedMr H was given a loan for £6,000 by EDL in March 2019. The loan was due to be repaid in 60 monthly instalments of around £236. The total amount payable, ... (4 pages)View decision -
Decision Reference DRN3881594
10 Apr 2018 Gain Credit LLC UpheldBanking and creditMiss D complains that Gain Credit LLC (trading as Lending Stream) gave her loans that she couldn’t afford.backgroundMiss D took a total of 28 loans with Lending Stream between Apr 2015 and Aug 2017.LoanDateLoan amount Total amount repaidDate repaid in full18 Apr 2015... (4 pages)View decision
