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 DRN-3216525
16 Dec 2021 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-3216525 The complaint Mr L complains that Sainsbury’s Bank Plc failed to refund several transactions he didn’t recognise that were made from his credit card account. What happened Mr L received a fraud text on his phone and spoke with Sainsbury’s about several transactions. Three large... (5 pages)View decision -
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 DRN5585851
21 Jul 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr P complains about payday loans he had with Express Finance (Bromley) Limited (trading as Payday Express) which he says shouldn’t have been given to him because he couldn’t afford the repayments. backgroundIn my provisional decision I set out why I was minded to... (4 pages)View decision -
Decision Reference DRN0658835
6 Dec 2017 Cashbridge Corporation Ltd UpheldBanking and creditMr E complains about instalment loans he’s taken out with Cashbridge Corporation Ltd (trading as Credio) which he says were unaffordable, so the loans shouldn’t have been given to him. backgroundThe background to this complaint was set out in my provisional decision da... (4 pages)View decision -
Decision Reference DRN5447642
3 Mar 2021 Bank of Scotland Plc UpheldBanking and creditComplaint Mr L has complained that Halifax irresponsibly provided him with an overdraft and a loan in 2017. He says that Halifax ought to have realised he was a gambler and that’s what he would be using the funds advanced for. Background I attach my provisional decision of 16 February 2021... (6 pages)View decision -
Decision Reference DRN8365425
21 Sep 2017 Apfin Ltd Not upheldBanking and creditMr G complains that Apfin Ltd (trading as cashasap.co.uk) gave him a loan that he couldn’t afford to repay.backgroundMr G was given one loan by Apfin in August 2016 – he borrowed £250. Mr G hasn’t been able to repay that loan, and an outstanding balance remains. In it... (2 pages)View decision -
Decision Reference DRN-3470260
9 Aug 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3470260 The complaint Miss C complains that Santander UK Plc (Santander) didn’t do enough to make sure she wasn’t being scammed when she made payments intended to be investments. She also thinks Santander should have done more to recover her money. What happened The details of this com... (2 pages)View decision -
Decision Reference DRN0523381
4 Aug 2015 Santander UK Plc Not upheldBanking and creditMr E complains that Santander UK Plc blocked his debit card.backgroundMr E tried to use his card for two gambling transactions but the card was declined both times. He phoned Santander less than an hour later, and the block was lifted. But Mr E’s unhappy. He says Sa... (2 pages)View decision -
Decision Reference DRN-2569296
4 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2569296 Complaint Mr F has complained that Loans 2 Go Limited (“L2G”) provided him with an unaffordable loan. He says the proper affordability checks weren’t considered. Background L2G provided Mr F with a loan of £300 in June 2019. This loan had an APR of 1,013.3% and an 18-month ter... (4 pages)View decision -
Decision Reference DRN-2482494
4 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2482494 Complaint Miss C has complained that Loans 2 Go Limited (“L2G”) provided her with unaffordable personal loans. Background L2G provided Miss C with loans for £250 in March 2019 and June 2019. These loans had an APR of 1,013.2% and an 18-month term. This all meant the total amou... (4 pages)View decision
