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
-
Decision Reference DRN-3971153
16 Feb 2023 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3971153 The complaint Mr M complains about fees he was charged by Tesco Personal Finance PLC, trading as Tesco Bank. What happened Mr M holds a credit card account with Tesco. In late 2022, he made some payments which incurred a cash transaction fee. Specifically, these payments were ... (2 pages)View decision -
Decision Reference DRN0269838
12 Apr 2017 Barclays Bank Plc Not upheldBanking and creditMr G is unhappy Barclays Bank Plc increased his credit card limit. He said if it had checked his financial circumstance it would have seen that he couldn’t afford to take on further debt.backgroundMr G took out a credit card with Barclays around March 2013. He was gi... (2 pages)View decision -
Decision Reference DRN4716106
12 Aug 2015 National Westminster Bank Plc Not upheldBanking and creditMr K complains that National Westminster Bank plc will not refund unauthorised transactions made on his account. backgroundMr K says that someone used his stolen mobile phone and house keys to get information to enable them to access his bank account, using up his mo... (2 pages)View decision -
Decision Reference DRN-2794244
2 Mar 2022 Bamboo Limited UpheldConsumer CreditDRN-2794244 The complaint Mr S complains that Bamboo Limited (“Bamboo”) lent him a loan he couldn’t afford. What happened The details of this complaint are well known to both parties, so I won’t repeat them all again here. Bamboo lent Mr S a loan of £5,000 in April 2018, this is not in dis... (2 pages)View decision -
Decision Reference DRN0747651
23 Oct 2015 Lloyds Bank PLC Not upheldBanking and creditMr M complains that Lloyds Bank plc acted irresponsibly by allowing him to increase his overdraft. He also complains that Lloyds failed to refund interest and charges on his account after a debt management plan was put in place.backgroundIn late 2013 Mr M was able t... (2 pages)View decision -
Decision Reference DRN-3487596
30 May 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3487596 The complaint Miss M complained that Loans 2 Go Limited lent to her irresponsibly and provided her with a loan that was unaffordable. What happened In May 2019, Miss M had arranged to borrow £750 from Loans 2 Go. That loan was cancelled the same day it was arranged so Miss M di... (5 pages)View decision -
Decision Reference DRN-3453022
10 Jun 2022 Indigo Michael Limited UpheldConsumer CreditDRN-3453022 The complaint Ms B (through a representative) has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) didn’t complete proper affordability checks before approving her Safety Net facility or at each new instance of borrowing. What happened Ms B approached... (4 pages)View decision -
Decision Reference DRN-3085890
31 Dec 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3085890 The complaint Mrs F complains that Barclays Bank UK PLC trading as Barclaycard (“Barclays”) acted irresponsibly when they increased her credit card limit in February 2015. Mrs F says the lending was unaffordable for her. What happened In March 2007 Mrs F took out a credit card... (4 pages)View decision -
Decision Reference DRN-3315268
7 Mar 2022 Chetwood Financial Limited Not upheldConsumer CreditDRN-3315268 The complaint Mr G has complained that Chetwood Financial Limited trading as Live Lend was irresponsible in lending to him. What happened In November 2020 Mr G applied online for a loan from Live Lend for £10,000. The loan was taken out over 30 months with an APR of 34.2% and h... (4 pages)View decision -
Decision Reference DRN8928671
15 Jan 2020 PDL Finance Limited UpheldBanking and creditMr W complains that PDL Finance Limited (trading as ‘Mr Lender’) lent irresponsibly to him. backgroundBetween May 2016 and December 2016, Mr W took out four loans with Mr Lender. His borrowing history is as follows: Loan numberDate taken outDate repaid Planned number of monthly instalments... (4 pages)View decision
