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 5125 results
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Decision Reference DRN-3042863
28 Jan 2022 John Lewis Financial Services Limited UpheldBanking and PaymentsDRN-3042863 The complaint Mrs M complains that John Lewis Financial Services (trading as John Lewis Card Services) didn’t do enough to recover money nor protect her from the financial harm caused by a binary options trading scam company. What happened Mrs M was looking for part-time work o... (7 pages)View decision -
Decision Reference DRN4953311
20 Nov 2020 Madison CF UK Limited UpheldBanking and creditMr G has complained about a loan he took out with Madison CF UK Limited, trading as 118 118 Money. Mr G says it was irresponsible for the company to give him the loan as it should have been obvious he could not afford to pay it back. background I issued a provisional decision in this case ... (7 pages)View decision -
Decision Reference DRN0721005
4 Feb 2020 Tesco Personal Finance PLC Not upheldBanking and creditMr R complains Tesco Personal Finance PLC is holding him liable for a credit card debt which he says was opened and used by fraudsters.backgroundMr R complained to Tesco about a credit card which had been opened in his name. He said he had not made the application – and neither had he mad... (2 pages)View decision -
Decision Reference DRN4967695
21 Jul 2016 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M complains that The Royal Bank of Scotland Plc (“RBS”) wrongly declined a payment that he made with his debit card.backgroundMr M complains that, having moved £40,000 into his card account, he attempted to make a £40,000 debit card payment at a bookmakers’ to c... (2 pages)View decision -
Decision Reference DRN-4543092
28 Feb 2024 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4543092 The complaint Mr E complains that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) lent to him irresponsibly. What happened Mr E applied for a credit card from Tesco and in July 2022, it was agreed. Mr E then asked for an increase in the limit in January 2023, and that... (4 pages)View decision -
Decision Reference DRN-2753916
9 Jun 2021 The Car Finance Company (2007) Ltd UpheldConsumer CreditDRN-2753916 The complaint Mrs L believes The Car Finance Company (2007) Ltd (‘TCFC’) acted irresponsibly by agreeing a hire purchase agreement she’d applied for. What happened In March 2016, Mrs L was supplied with a used car through a hire purchase agreement with TCFC. The agreement was f... (4 pages)View decision -
Decision Reference DRN-2904625
8 Jun 2022 UK Credit Limited UpheldConsumer CreditDRN-2904625 The complaint Miss L complains that the loan she had from UK Credit Limited was unaffordable to her and that it should have carried out better checks. What happened Miss L took out a guarantor loan with UK Credit on 2 January 2018. She borrowed £6,000 and was due to repay £264.... (4 pages)View decision -
Decision Reference DRN3166390
16 Jan 2019 Gracombex Ltd UpheldBanking and creditMr S complains that Gracombex Ltd trading as The Money Platform (“TMP”) gave him loans that he couldn’t afford to repay.backgroundMr S was given five loans by TMP between July 2017 and January 2018. Mr S successfully repaid his first four loans before the agreed ... (3 pages)View decision -
Decision Reference DRN0080704
22 Sep 2017 Capfin Limited UpheldBanking and creditMrs A complains that Capfin Limited (trading as Ecashwindow) gave her loans that she couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision I issued earlier this month. An extract from this is attached and forms part ... (4 pages)View decision -
Decision Reference DRN4302819
15 Jan 2020 PDL Finance Limited UpheldBanking and creditMr M says PDL Finance Limited, trading as Mr Lender (“Mr Lender”) irresponsibly lent to him.backgroundThis complaint is about eight instalment loans Mr Lender provided to Mr M between October 2015 and May 2018. Mr M’s borrowing history is as follows: LoanDate TakenDate RepaidInstalmentsAmo... (4 pages)View decision
