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 DRN5113568
11 Oct 2017 Lloyds Bank PLC Not upheldBanking and creditMs P complains that Lloyds Bank PLC has refused to refund some disputed transactions. Ms P says she is the victim of fraud and she wants Lloyds to refund the money.backgroundMs P says she contacted Lloyds in April 2017 because she’d noticed some transactions on her ... (2 pages)View decision -
Decision Reference DRN-1640828
29 Oct 2020 Advancis Limited Not upheldConsumer CreditDRN-1640828 The complaint Miss H complains that Advancis Limited (trading as Buddy Loans) unfairly added her as guarantor to a loan. She says that the lender should have realised that she was being pressured into acting as a guarantor as a result of an abusive relationship. What happened M... (2 pages)View decision -
Decision Reference DRN-4085258
22 May 2023 Fairscore Ltd Not upheldConsumer CreditDRN-4085258 The complaint Mr U complains that Fairscore Ltd trading as Updraft was irresponsible in its lending to him. What happened Mr U says that Fairscore provided him with a £2,300 loan on 31 August 2022. The loan was repayable over 36 months, with 35 monthly repayments of around £102... (2 pages)View decision -
Decision Reference DRN-4965412
11 Sep 2024 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4965412 The complaint Mr V complains that Clydesdale Bank plc, trading as Virgin Money, has processed two online payments, that should have been classed as purchases, as cash transactions so cash advance fees and interest have been charged to his account. What happened Mr V has a Vi... (3 pages)View decision -
Decision Reference DRN-3848999
13 Dec 2022 Nationwide Building Society Not upheldConsumer CreditDRN-3848999 The complaint Mr M has complained that Nationwide Building Society irresponsibly lent to him. What happened Mr M took out four personal loans with Nationwide between May 2014 and August 2016. Mr M says that he couldn’t afford the credit and that if Nationwide had done proportio... (2 pages)View decision -
Decision Reference DRN-3226419
25 Feb 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3226419 The complaint Mr P complains that Madison CF UK Limited trading as 118 118 Money provided him with loans he was unable to afford to repay. What happened 118 118 Money provided Mr P with the following loans: Loan ref: Date taken Amount Term months Monthly payment Amount repayabl... (2 pages)View decision -
Decision Reference DRN-3521249
13 Jun 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3521249 The complaint Mr Y says Loans 2 Go Limited irresponsibly lent to him. What happened This complaint is about 3 loans Loans 2 Go provided to Mr Y between April and August 2020. Mr Y’s borrowing history is as follows: Loan Date taken Amount Term Repayment Repaid 1 April 2020 £600 ... (2 pages)View decision -
Decision Reference DRN-3584161
7 Jul 2022 Harvey & Thompson Limited UpheldConsumer CreditDRN-3584161 The complaint Mrs D complains that the loans she had from Harvey & Thompson Limited were unaffordable to her. What happened Mrs D had five loans from Harvey & Thompson between April 2017 and August 2018 as follows: Loan Date Amount Term Max Monthly Repayment Due Repaid ... (3 pages)View decision -
Decision Reference DRN6279425
7 Feb 2018 DJS (UK) Limited UpheldBanking and creditMr T complains that DJS (UK) Limited, trading as PiggyBank, was irresponsible to have provided him with a number of payday loans.backgroundMr T was provided with 17 payday loans by DJS as follows:-Number of loanDate of loanAmount repayable1.17/3/2014£332.532.17/4/2014... (4 pages)View decision -
Decision Reference DRN-4448794
17 Nov 2023 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4448794 Complaint Mr A has complained about a credit card Capital One (Europe) plc (“Capital One”) provided to him. He says the credit card was irresponsibly provided to him as if better checks had been carried out – such as requesting bank statements – it would have been clear his gam... (2 pages)View decision
