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 4764 results
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Decision Reference DRN7405721
31 Oct 2017 Lending Stream Llc Not upheldBanking and creditMr H complains that it was irresponsible for Lending Stream LLC to have lent to him.backgroundLending Stream made a £300 loan to Mr H in July 2015. It was repayable in monthly instalments but Mr H repaid the loan early - in November 2015. He complained to Lending S... (2 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 DRN-5062231
4 Oct 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5062231 The complaint Mr O is complaining about Vanquis Bank Limited because he says it lent irresponsibly by providing him with a credit card he couldn’t afford and then going on to increase the credit limit. What happened In December 2017, Mr O opened a credit card account with Va... (4 pages)View decision -
Decision Reference DRN-4952099
7 Aug 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4952099 The complaint Mr H complains through a Claims Management Company (“CMC”), that Zopa Bank Limited (“Zopa ”) lent to him irresponsibly. Mr H further says Zopa failed to conduct proportionate checks prior to approving his personal loan and the lending was unaffordable. For ea... (4 pages)View decision -
Decision Reference DRN-3170393
23 Nov 2021 Harvey & Thompson Limited UpheldConsumer CreditDRN-3170393 The complaint Mr S complains that Harvey & Thompson Limited lent to him without carrying out adequate checks and that the loan was unaffordable. Mr S is represented by Mrs S but for ease of reference I have referred to Mr S throughout this decision. What happened H & T ... (4 pages)View decision -
Decision Reference DRN-3026309
4 Feb 2022 TSB Bank plc Not upheldBanking and PaymentsDRN-3026309 The complaint Mr L complains that TSB Bank Plc won’t reimburse him the money he paid to what he says was a binary options trading scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide an overview of some of the key ev... (4 pages)View decision -
Decision Reference DRN-3122375
23 Nov 2021 Oplo PL Ltd UpheldConsumer CreditDRN-3122375 The complaint Miss J complains that Oplo PL Ltd irresponsibly lent to her. What happened This complaint is about three high cost credit loans Oplo lent to Miss J. The loan details are as follows: Loan number Start date Loan amount (£) Term Repayment amount (£) End date 1 05/07... (3 pages)View decision -
Decision Reference DRN-2787169
2 Jun 2021 Santander UK Plc Not upheldInvestmentsDRN-2787169 The complaint Mrs B complains that Santander UK Plc recommended an unsuitable 5½ year structured product in 2002, the likely returns being far less than she could have been guaranteed via one of its medium-term fixed-rate bonds. What happened Mrs B retained the product for the ... (3 pages)View decision -
Decision Reference DRN-3442045
12 May 2022 N26 Bank GmbH Not upheldBanking and PaymentsDRN-3442045 The complaint Miss A complains N26 Bank GmbH unfairly recorded a Cifas marker against her on the national fraud database. She wants the marker removed. What happened Our investigator stated the background facts that led to Miss A’s complaint in their view. I find no need to rep... (4 pages)View decision -
Decision Reference DRN-3303243
17 Jun 2022 Mobile Money Limited Not upheldConsumer CreditDRN-3303243 The complaint Mr S has complained that Mobile Money Limited (“MML”) was irresponsible to have agreed credit for him. What happened MML provided Mr S with a loan of £1,000 in June 2017. The total amount of £2,094, including interest and charges, was to repaid in 18 monthly inst... (3 pages)View decision
