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 4808 results
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Decision Reference DRN7640855
17 Sep 2019 PDL Finance Limited Not upheldBanking and creditMiss A complains that PDL Finance Limited (trading as Mr Lender) was irresponsible to lend to her.backgroundMiss A had five loans from Mr Lender between January 2017 and September 2017 as follows:Loan Date AmountTerm Due Repayment* Repaid 126 Jan 2017£3003m21 Apr 2017£162.40Ext, 19 May 201... (2 pages)View decision -
Decision Reference DRN1889876
28 Apr 2015 Bank of Scotland Plc Not upheldBanking and creditMiss T complains Bank of Scotland plc gave her a credit card and loan both of which were unaffordable.backgroundMiss T took out a credit card with Bank of Scotland in 2006 and a loan in 2011. Shortly after taking out the loan Miss T entered into an IVA saying she co... (2 pages)View decision -
Decision Reference DRN-2924761
8 Oct 2021 Lloyds Bank PLC UpheldBanking and PaymentsDRN-2924761 The complaint Mr B has complained that Lloyds Bank PLC (“Lloyds”) continued charging him excessive amounts for his overdraft when he was in financial difficulty. What happened Mr B complained to Lloyds about charges it was making for his overdraft. Lloyds didn’t uphold the com... (2 pages)View decision -
Decision Reference DRN2912647
24 Jan 2020 Elevate Credit International Limited Not upheldBanking and creditMr H’s complaint is about two instalment loans he took with Elevate Credit International Limited trading Sunny. Mr H says these loans were unaffordable.backgroundSunny provided Mr H with two instalment loans between July 2018 and August 2018. LoanDate TakenDate Repaid InstalmentsAmount Hig... (2 pages)View decision -
Decision Reference DRN-3479590
22 May 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3479590 The complaint Ms S has complained that Everyday Lending Limited (EDL) lent to her irresponsibly. What happened I issued a provisional decision in March 2022 about this complaint that I summarise below. Ms S was given a loan of £1,650 by EDL in September 2018. This was due to be... (2 pages)View decision -
Decision Reference DRN8914083
22 Jan 2020 TSB Bank plc Not upheldBanking and creditMr S complains that TSB Bank Plc won’t refund payments he says he didn’t make or authorise and that it’s closed his account. backgroundMr S’s bank statements show that online payments to a betting firm (which I’ll call G) totalling over £18,000 were made between May and September 2016. In ... (2 pages)View decision -
Decision Reference DRN-4649040
13 Mar 2024 North Edinburgh and Castle Credit Union Limited Not upheldConsumer CreditDRN-4649040 The complaint Mr P says North Edinburgh and Castle Credit Union Limited, trading as Castle Community Bank, lent irresponsibly when providing him with a loan in 2021. What happened In November 2021, North Edinburgh and Castle Credit Union loaned Mr P £4,000 over a 48- month term... (2 pages)View decision -
Decision Reference DRN2248553
3 May 2018 Gain Credit LLC UpheldBanking and creditMr F complains that Gain Credit LLC (trading as Lending Stream LLC) lent money to him that he could not afford to repay.backgroundMr F entered into 12 loans with Lending Stream between September 2012 and June 2014. He says that Lending Stream did not carry out suffic... (2 pages)View decision -
Decision Reference DRN1834223
25 Sep 2018 Total Home Loans Direct Limited UpheldBanking and creditMr H complains that Total Home Loans Direct Limited, trading as THL Direct, gave him loans he couldn’t afford to repay.backgroundMr H took out ten loans with THL Direct between September 2014 and October 2016. His first two loans were payday loans repayable within a ... (2 pages)View decision -
Decision Reference DRN9759043
4 Oct 2016 Wage Day Advance Limited UpheldBanking and creditMiss G complains that Wage Day Advance Limited (“Wage Day”) gave her loans without checking that she could afford to repay them. She wants all interest paid refunded and the final loan removed from her credit records.backgroundIn my provisional decision I set out why I... (2 pages)View decision
