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 DRN-2958221
14 Sep 2021 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-2958221 The complaint Mr S complains about HSBC UK Bank Plc’s decision to restrict his account while carrying out a review. What happened In October 2019, Mr S received a payment into his account. The transaction was flagged for review and HSBC restricted Mr S’s account. HSBC got in to... (3 pages)View decision -
Decision Reference DRN1549911
14 Jun 2017 Lending Stream Llc UpheldBanking and creditMr W has complained about short-term loans granted to him by Lending Stream LLC (“Lending Stream” or “the lender”).backgroundLending Stream agreed 21 loans for Mr W between September 2013 and June 2015. These were all ‘instalment loans’ i.e. the capital and interest wer... (5 pages)View decision -
Decision Reference DRN-1421996
14 May 2020 PDL Finance Limited UpheldConsumer CreditDRN-1421996The complaintMr V says PDL Finance Limited, trading as Mr Lender, (“PDL”), irresponsibly lent to him.What happenedThis complaint is about four short term loans PDL provided to Mr V between November 2017 and June 2019. Loans 1 to 3 were repayable by three monthly repayments and L... (4 pages)View decision -
Decision Reference DRN-2837726
26 Aug 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2837726 The complaint Mr D complains that Loans 2 Go Limited acted irresponsibly when lending to him. What happened Loans 2 Go provided Mr D with loans as follows: Loan Date taken Date paid Number of monthly instalments Loan amount Approximate monthly repayment* 1 September 2018 Decemb... (5 pages)View decision -
Decision Reference DRN-4559998
1 Mar 2024 Startline Motor Finance Limited Not upheldConsumer CreditDRN-4559998 The complaint Mr W complains Startline Motor Finance Limited (SMFL) irresponsibly approved a hire purchase agreement which he couldn’t afford. What happened In June 2021 Mr W entered into the hire purchase agreement which was a refinancing of a previous hire purchase. The cash... (6 pages)View decision -
Decision Reference DRN5645987
15 Jul 2016 Express Finance (Bromley) Limited Not upheldBanking and creditMr C complains that Express Finance (Bromley) Limited, trading as Payday Express, shouldn’t have lent to him in 2012. backgroundMr C took out a ‘running account credit’ loan with Payday Express in July 2012. This worked in a different way from a payday loan – it had a ... (2 pages)View decision -
Decision Reference DRN3554703
15 Nov 2019 National Westminster Bank Plc Not upheldBanking and creditMr B complains that National Westminster Bank Plc (NatWest) treated him unfairly by closing his two personal current accounts and his savings account.backgroundOn 19 March 2019, NatWest sent a letter to Mr B. The letter listed his two current accounts held solely in his name, his savings a... (2 pages)View decision -
Decision Reference DRN-4768772
14 Jun 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4768772 The complaint Miss B has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened In 2021 Miss B was told by Monzo that they were closing her account. They also lodged a fraud-related marker on her record with CIF... (2 pages)View decision -
Decision Reference DRN-3687513
8 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3687513 The complaint Ms B complains that NewDay Ltd lent to her irresponsibly. What happened In November 2016, Ms B applied to NewDay for a retailer branded credit card. NewDay approved Ms B’s application and agreed a credit limit of £1,000. In or around August 2017, NewDay increased ... (5 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
