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 5478 results
-
Decision Reference DRN-4544615
19 Apr 2024 National Westminster Bank Plc Not upheldConsumer CreditDRN-4544615 The complaint Mr L complains that National Westminster Bank Plc (“NatWest”) lent to him irresponsibly when it gave him a loan that he says he couldn’t afford. What happened Mr L took out an unsecured loan for £11,000 with NatWest in May 2022. The loan was repayable over 99 mont... (3 pages)View decision -
Decision Reference DRN-5322167
16 Apr 2025 Nationwide Building Society UpheldBanking and PaymentsDRN-5322167 The complaint Mr W has complained Nationwide Building Society won’t refund him for numerous transactions he didn’t authorise. What happened In 2024 after being seriously ill and spending some time in a care home, Mr W noticed his Nationwide account had been practically empti... (3 pages)View decision -
Decision Reference DRN-4457529
14 Dec 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4457529 The complaint Mr C complains that Lloyds Bank Plc will not refund payments he says he did not make. What happened Between January and June 2022 a series of transfers and card payments were made from Mr C’s Lloyds accounts. These were either transfers to Mr C’s brother, Mr D, or... (3 pages)View decision -
Decision Reference DRN-4373823
30 Nov 2023 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-4373823 The complaint Miss E complains that Brent Shrine Credit Union Limited trading as My Community Bank was irresponsible in its lending to her. What happened Miss E was provided with a £15,000 loan in August 2022. She says that at the time she was suffering with anxiety and depress... (3 pages)View decision -
Decision Reference DRN-4077423
13 Apr 2023 Advanced Payment Solutions Limited UpheldBanking and PaymentsDRN-4077423 The complaint Mr N has complained that Advanced Payment Solutions Limited trading as Cashplus (“Cashplus”) acted irresponsibly when it provided him with a credit card in October 2021. In addition, he has also complained that Cashplus failed to close his account or block his car... (3 pages)View decision -
Decision Reference DRN0776754
6 Oct 2017 WDFC UK Limited UpheldBanking and creditMr J complains that WDFC UK Limited trading as Wonga didn’t provide him with statements of his account so he couldn’t check whether the amounts he had paid were correct. He later complained that the loans were unaffordable. backgroundMr J took out eight loans from ... (3 pages)View decision -
Decision Reference DRN8756844
15 May 2017 CURO TRANSATLANTIC LIMITED Not upheldBanking and creditMs B complains that the loans she had with Wage Day Advance Limited were unaffordable.backgroundMs B’s first Wage Day Advance loan application was in June 2014. It approved a £150 flex advance loan to be repaid over 18 months. Ms B repaid it in July 2015. That ... (2 pages)View decision -
Decision Reference DRN-3291276
17 Feb 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3291276 The complaint Mr G complains that Everyday Lending Limited (“Everyday Loans”) lent to him in an irresponsible manner. What happened Mr G was given a loan by Everyday Loans. It was for around £3014 and was due to be repaid over 24 months. Mr G took this loan out in March 2020 an... (3 pages)View decision -
Decision Reference DRN-3506618
24 Aug 2022 Bank of Scotland Plc Not upheldConsumer CreditDRN-3506618 The complaint Mr M complains that Bank of Scotland plc trading at the time as Halifax irresponsibly gave him five loans that he couldn’t afford. For simplicity, I will refer to the business throughout as ‘Halifax’. What happened In December 1994, Mr M applied for a loan with Ha... (3 pages)View decision -
Decision Reference DRN-2540810
25 Feb 2021 Evergreen Finance London Limited Not upheldConsumer CreditDRN-2540810 The complaint Mr H complains that the loan he had from Evergreen Finance London Limited (trading as Moneyboat) was unaffordable to him. What happened Mr H borrowed £500 from Moneyboat on 3 June 2019. The loan was due to be repaid by three monthly instalments of £238.75 with the... (3 pages)View decision