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 5443 results
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Decision Reference DRN8838540
5 Feb 2016 Cash On Go Limited Not upheldBanking and creditMr G complains that Cash On Go Limited (trading as Peachy.co.uk) lent to him irresponsibly.backgroundMr G took and repaid a number of loans from Peachy during 2012. He says that he was taking loans practically every month during the period, and that they were all unaf... (2 pages)View decision -
Decision Reference DRN-3499877
2 Sep 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3499877 The complaint Mr B complains about the service he received from HSBC UK Bank Plc when his overdraft was removed. What happened Mr B has an account with HSBC. The account had an overdraft facility, but HSBC removed it. In July 2021 Mr B complained that it had done so. This servi... (2 pages)View decision -
Decision Reference DRN6499038
5 Sep 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr T complains that Lloyds TSB Bank plc did not act responsibly in providing him with an overdraft, and that it should not have increased his overdraft limit. The complaint is brought on Mr T’s behalf by his father, Mr D.backgroundMr D said that when he discovered that Lloyds TSB had p... (2 pages)View decision -
Decision Reference DRN6426589
30 May 2017 National Westminster Bank Plc Not upheldBanking and creditMr L complains that National Westminster Bank Plc blocked one of his betting payments which stopped him from winning more than £8,000.backgroundMr L tried to use his NatWest debit card to pay for a bet of £22,000 to win £8,800 in November 2016 – but the payment (... (2 pages)View decision -
Decision Reference DRN7094804
15 May 2014 National Westminster Bank Plc Not upheldBanking and creditMr D complains that National Westminster Bank Plc (“NatWest”) wrongly holds him liable for online gaming payments made from his account.backgroundMr D holds a current account with NatWest, for which he has a plastic card. The disputed withdrawals were all made online, to gaming comp... (2 pages)View decision -
Decision Reference DRN-4674228
19 Mar 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-4674228 Complaint Mrs S has complained that Loans 2 Go Limited (“L2G”) provided her with an unaffordable loan. Background L2G provided Mrs S with a loan for £250 in March 2023. This loan had an APR of 770% and an 18-month term. This all meant the total amount repayable of £675.02, whic... (4 pages)View decision -
Decision Reference DRN-2491396
15 Jan 2021 PDL Finance Limited Not upheldConsumer CreditDRN-2491396 The complaint Mr P complains that PDL Finance Limited (trading as Mr Lender) were irresponsible to lend to him. What happened Mr P had four loans from Mr Lender between November 2014 and February 2015 as follows: Loan Date Amount Term Max Monthly Repayment Due Repaid 1 7 Nov 20... (4 pages)View decision -
Decision Reference DRN-2683629
29 Apr 2021 Loans 2 Go Limited Not upheldConsumer CreditDRN-2683629 The complaint Mr C complains about the response from Loans 2 Go Limited when he told it he was in financial difficulties and that the interest rate on his loan was excessive. What happened Mr C took out a loan with Loans 2 Go on 26 September 2019. He borrowed £1,000 and was due... (4 pages)View decision -
Decision Reference DRN9439189
8 Aug 2017 MEM Consumer Finance Limited UpheldBanking and creditMr N complains about payday loans he took out with MEM Consumer Finance Limited (trading as Payday UK) which he says were unaffordable. backgroundA summary of Mr N’s borrowing history is as follows;loan numberloan amountreceived date actual repayment date 1 £150.0013/01... (4 pages)View decision -
Decision Reference DRN-3299251
22 Mar 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3299251 The complaint Mrs P has complained that Loans 2 Go Limited was irresponsible in lending to her. What happened Loans 2 Go provided Mrs P with the following loans: Date taken Amount Term Monthly repayment Amount received Loan status Loan 1 01/07/19 £600 18 months £137.13 £2,468.3... (4 pages)View decision