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 4744 results
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Decision Reference DRN-2628278
11 Mar 2021 Oakbrook Finance Limited Not upheldConsumer CreditDRN-2628278 Complaint Miss M has complained about a loan Oakbrook Finance Limited (trading as “Likely Loans”) provided to her. She says the loan is unaffordable and she’s struggling to repay it. Background Likely Loans provided Miss M with a loan for £1,000.00 in February 2018. This loan h... (2 pages)View decision -
Decision Reference DRN-1835603
9 Jun 2020 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1835603 The complaintThis complaint is brought by Mrs O (helped by her son, Mr O) on behalf of the estate of her late mother, Mrs R. Mrs R was a customer of The Royal Bank of Scotland Plc until her death in March 2019. Mrs O has complained to RBS because she believes a relative of Mrs ... (2 pages)View decision -
Decision Reference DRN-4337046
10 Oct 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-4337046 The complaint Mr G complains that Loans 2 Go Limited (“L2G”) lent him a loan when it shouldn’t have. Mr G says he didn’t understand the product he was being lent. To put things right, Mr G wants the loan written off or at least the interest and charges removed. What happened L2... (2 pages)View decision -
Decision Reference DRN8039843
26 Sep 2018 Instant Cash Loans Limited Not upheldBanking and creditMr A complains that Instant Cash Loans Limited (trading as Payday Express) gave him loans that he couldn’t afford to repay.backgroundMr A was given four loans by Payday Express between April and October 2016. The loans were each repayable in instalments, loan 1 over ... (2 pages)View decision -
Decision Reference DRN-2858506
25 Jun 2021 Lloyds Bank PLC UpheldBanking and PaymentsDRN-2858506 Complaint Mr G has complained that Lloyds Bank PLC (“Lloyds”) unfairly continued applying charges to his overdraft when he was in difficulty and shouldn’t have even been provided with the facility in the first place. Background One of our adjudicators looked at this complaint ... (2 pages)View decision -
Decision Reference DRN5588229
20 Apr 2016 Aviva Life & Pensions UK Limited Not upheldInvestment and pensionsMr B believes Aviva Life & Pensions UK Limited (Aviva) wrongly advised him to invest £12,000 in a bond in 1999 when he had an outstanding mortgage of £33,000 at the time.backgroundMr B surrendered this bond in 2004, receiving back his initial capital but no invest... (2 pages)View decision -
Decision Reference DRN9260897
28 Jun 2019 PDL Finance Limited UpheldBanking and creditMiss G complains that PDL Finance Limited, trading as Mr Lender, lent to her irresponsibly.backgroundI attach my provisional decision dated 20 June 2019, which forms part of this final decision and should be read in conjunction with it. In my provisional decision I ex... (5 pages)View decision -
Decision Reference DRN2891417
6 Feb 2020 Emergency Cash Limited UpheldBanking and creditMr S complains that loans he had from Emergency Cash Limited (trading as wizzcash.com) were unaffordable.backgroundMr S had three instalment loans from Wizzcash between April 2015 and June 2015 as follows:Loan Date AmountTermMonthly Repayment DueRepaid 130 Apr 2015£3003m£138.7520 Jul 20152... (2 pages)View decision -
Decision Reference DRN0639328
18 Nov 2016 Express Finance (Bromley) Limited UpheldBanking and creditMr J complains that Express Finance (Bromley) Limited (trading as Payday Express) gave him unaffordable payday loans. He wants a refund of his interest and charges and for a default to be removed from his credit file. backgroundMr J had two loans from Payday Express ... (2 pages)View decision -
Decision Reference DRN7055965
28 Jun 2017 HSBC Bank plc UpheldBanking and creditMiss H complains that HSBC Bank Plc did not act responsibly when it allowed her to take out multiple personal loans when it knew she was experiencing financial hardship as a result of a compulsive addiction. She would like the bank to reduce the amount she owes. backgr... (2 pages)View decision
