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-2410982
25 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2410982 The complaint Mr B complains about a personal loan provided to him by Loans 2 Go Limited, trading as Loans 2 Go, (“L2G”), which he says was unaffordable. What happened L2G agreed a loan for £250 for Mr B in July 2018. The loan was repayable by 18 monthly payments of £56.64. The... (6 pages)View decision -
Decision Reference DRN-3597734
3 Aug 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3597734 The complaint Miss K complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (MoneyBoat) didn’t carry out proportionate affordability checks before it granted her loans. Had it done so, MoneyBoat would’ve discovered that she couldn’t afford to repay them. Wh... (6 pages)View decision -
Decision Reference DRN1615219
25 May 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMrs K’s complained about payday loans she took out with CURO TRANSATLANTIC LIMITED (trading as Wage Day Advance (“WDA”)). She said her pattern of borrowing should have alerted WDA to the fact that she was in serious financial trouble. backgroundMrs K first borrowed £150 ... (4 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-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 DRN4072698
3 Nov 2017 Lending Stream Llc UpheldBanking and creditMiss D complains Lending Stream LLC lent to her irresponsibly.backgroundMiss D took out 29 loans with Lending Stream between March 2011 and August 2015. She had taken out five loans previously with Lending Stream, but they don’t form a part of this complaint. I’ve includ... (7 pages)View decision -
Decision Reference DRN9331148
21 Dec 2017 Instant Cash Loans Limited Not upheldBanking and creditMr R complains that Instant Cash Loans Limited (trading as Payday UK) gave him loans that he couldn’t afford to repay.backgroundThe background to this complaint was set out in my provisional decision dated November 2017. An extract from this is attached and forms par... (5 pages)View decision
