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
-
Decision Reference DRN6464520
30 Jul 2015 National Westminster Bank Plc Not upheldBanking and creditMr B complains that National Westminster Bank plc failed to take proper action when he reported unauthorised transactions on his account and later unfairly closed his accounts and registered default information on his credit file.backgroundMr B says that, following his rais... (2 pages)View decision -
Decision Reference DRN1509962
2 Aug 2016 Uncle Buck Finance LLP Not upheldBanking and creditMr A complains that Uncle Buck Finance LLP gave him unaffordable payday loans. He wants a refund of the interest and charges he paid with interest.background Mr A took out 10 loans with Uncle Buck between 2013 and 2015. All the loans were repaid but all but one of the... (2 pages)View decision -
Decision Reference DRN-4756742
22 Apr 2024 Metro Bank PLC Not upheldConsumer CreditDRN-4756742 The complaint Miss R complains that Metro Bank PLC trading as RateSetter (“Ratesetter”) irresponsibly gave her a fixed sum loan she couldn’t afford to repay. What happened In August 2022, Miss R applied for a fixed sum loan with RateSetter. She was given a loan for £7,000. The... (2 pages)View decision -
Decision Reference DRN-4601302
6 Feb 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4601302 The complaint Mr B, through a representative, says Barclays Bank UK PLC, trading as Barclaycard, irresponsibly lent to him. What happened Barclaycard provided Mr B with a credit card with a limit of £1,000 in August 2010. The limit was then changed (up and down) over the subseq... (3 pages)View decision -
Decision Reference DRN6392147
6 May 2020 National Westminster Bank Plc Not upheldBanking and creditMr J has complained National Westminster Bank Plc won’t refund transactions he didn’t make.backgroundIn early 2015 Mr J got a letter from his mortgage provider saying they’d not been able to collect his mortgage payments by direct debit because of insufficient funds. He realised money was ... (4 pages)View decision -
Decision Reference DRN8652511
10 Jul 2018 Uncle Buck Finance LLP UpheldBanking and creditMr B complains that Uncle Buck Finance LLP gave him loans that were unaffordable.backgroundDuring 2015 and 2016 Mr B borrowed ten loans from Uncle Buck, as follows: loan Amount loan dateloan typeRepayment date 1 £150 9.2.15Payday26.2.152 £100 3.3.15Payday13.3.153 £150 16.3.... (4 pages)View decision -
Decision Reference DRN7569836
30 Jan 2020 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs D complain that The Royal Bank of Scotland Plc (trading as Virgin One) didn’t honour its promise to freeze his account, and allowed some transactions to be made which should have been blocked.backgroundMr and Mrs D are the joint account holders of a Virgin One account. Mr D brin... (2 pages)View decision -
Decision Reference DRN1713394
2 Oct 2019 Elevate Credit International Limited UpheldBanking and creditMrs R says Elevate Credit International Limited (trading as Sunny) irresponsibly lent to her.backgroundThis complaint is about 31 instalment loans Sunny provided to Mrs R between August 2015 and November 2016. There is a summary of Mrs R’s lending history from Sunny in the appendix. Our ad... (5 pages)View decision -
Decision Reference DRN4467873
18 May 2018 Gain Credit LLC UpheldBanking and creditMr G complains about the loans he took out with Gain Credit LLC trading as Lending Stream. He says that after the fourth or fifth loans they became unaffordable. But Lending Stream continued to lend to him. He says the repetition and frequency of his borrowing was... (7 pages)View decision -
Decision Reference DRN-2085174
11 Aug 2021 Chetwood Financial Limited Not upheldConsumer CreditDRN-2085174 The complaint Miss B complains that Chetwood Financial Limited (trading as ‘LiveLend’) gave her a loan irresponsibly. She feels there are a number of questions that weren’t asked at the point of application, and it didn’t fully consider her personal circumstances. Background to... (4 pages)View decision
