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-1489631
13 May 2020 Elevate Credit International Limited UpheldConsumer CreditDRN-1489631ComplaintMr W says Elevate Credit International Limited (trading as “Sunny”) irresponsibly provided him with a number of high-cost short-term credit instalment loans. BackgroundThis complaint is about twelve high-cost short-term credit instalment loans that Sunny provided to Mr ... (2 pages)View decision -
Decision Reference DRN9770210
15 Feb 2017 TSB Bank plc Not upheldBanking and creditMr P complains that TSB Bank plc didn’t stop a pending debit card payment when he asked them to and haven’t refunded the money to him. He says the payment was made fraudulently. backgroundMr P says that in July 2016 he noticed a payment to an online gambling websit... (2 pages)View decision -
Decision Reference DRN-3140450
18 Nov 2021 Nationwide Building Society UpheldBanking and PaymentsDRN-3140450 The complaint Miss B has complained that Nationwide Building Society allowed her to increase her overdraft limit beyond what she could afford to maintain when she was in financial difficulty. What happened Miss B complained to Nationwide about her overdraft facility. She said N... (2 pages)View decision -
Decision Reference DRN-1778548
31 Mar 2021 Everyday Lending Limited Not upheldConsumer CreditDRN-1778548 The complaint Mr B says Everyday Lending Limited (ELL) was irresponsible to offer him a loan. What happened Mr B says he applied by phone for a £10,000 loan to consolidate his existing debts in April 2019. ELL asked him to visit a branch to sign the paperwork and bring in recen... (2 pages)View decision -
Decision Reference DRN0594261
7 Mar 2018 TM Advances Limited Not upheldBanking and creditMr D complains that TM Advances Limited was irresponsible in granting him several loans. backgroundMr D took out four loans with TM. The first was for £3,000 in June 2014 and the second was for £2,000 in July 2014. The first was for three years and the second for ... (2 pages)View decision -
Decision Reference DRN-3680453
12 Oct 2022 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-3680453 The complaint Miss C complains that Shop Direct Finance Company Limited (“Shop Direct”), provided her with a catalogue shopping account that she could not afford, and continued to increase her credit limit when it shouldn’t have. What happened In January 2013 Shop Direct approv... (2 pages)View decision -
Decision Reference DRN-4250233
9 Nov 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4250233 The complaint Mr C complains Tesco Personal Finance PLC trading as Tesco Bank irresponsibly lent to him when providing him with a credit card. What happened My understanding is Mr C applied for a Tesco credit card in April 2022, and he was given a credit limit of £3,850. He say... (2 pages)View decision -
Decision Reference DRN-4345818
22 Sep 2023 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-4345818 The complaint Mr E complains that Lantern Debt Recovery Services Ltd is asking him to repay debts when he has no money to do so. What happened Lantern Debt Recovery Services Ltd (“Lantern”) acquired debts for four loans that were taken out by Mr E. Mr E complained to Lantern in... (2 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 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
