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 DRN-3270895
1 Feb 2022 Zopa Limited Not upheldConsumer CreditDRN-3270895 The complaint Mr L complains that Zopa Limited lent to him in an irresponsible manner. What happened I issued a provisional decision on this complaint in December 2021. In that decision I explained why I didn’t think the complaint should be upheld. Both parties have received a ... (2 pages)View decision -
Decision Reference DRN4451146
5 Mar 2021 TFS Loans Limited UpheldBanking and creditMr M complains that TFS Loans Limited irresponsibly lent to him. He says better checks by TFS would have shown he was unable to afford the loan. background Mr M took out one loan with TFS on 27 October 2016. The loan was for £3,000 and was due to repaid in 24 monthly instalments of £184.38... (2 pages)View decision -
Decision Reference DRN4963888
25 Apr 2019 PDL Finance Limited UpheldBanking and creditMr M complains that PDL Finance Limited (trading as Mr Lender) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file.backgroundMr M took out a £500 loan with Mr Lender i... (3 pages)View decision -
Decision Reference DRN-2883002
29 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2883002 The complaint Mr W says Vanquis Bank Limited acted irresponsibly when providing him with a credit card in 2009. What happened In January 2009 Mr W applied for a credit card with Vanquis. His application was approved with a limit of £250. The account defaulted in 2011 and was su... (2 pages)View decision -
Decision Reference DRN-4382098
5 Oct 2023 American Express Services Europe Limited UpheldBanking and PaymentsDRN-4382098 The complaint Miss B says American Express Services Europe Limited irresponsibly lent to her. What happened Miss B applied online for a credit card on 27 May 2021. She was given a £1,000 limit. Miss B says her credit file can’t have been properly checked, she had significant de... (3 pages)View decision -
Decision Reference DRN-4661679
5 Mar 2024 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4661679 The complaint Mr P says Brent Shrine Credit Union Limited, trading as My Community Bank, irresponsibly lent to him. What happened Mr P took out a 48-month loan for £20,000 on 5 July 2022. The monthly repayments were £552.97 and the total repayable was £26,939.91. Mr P says Bren... (3 pages)View decision -
Decision Reference DRN-2476748
6 Jan 2021 TFS Loans Limited UpheldConsumer CreditDRN-2476748 Complaint Mr F has complained that TFS Loans Limited (“TFS Loans”) irresponsibly provided him with an unaffordable guarantor loan. He says that he shouldn’t have been given the loan as he had financial difficulties as well as a gambling addiction. Background TFS Loans provided... (10 pages)View decision -
Decision Reference DRN-4537245
4 Jan 2024 Evergreen Finance London Limited UpheldConsumer CreditDRN-4537245 The complaint Mr C complained through a representative that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) failed to take reasonable steps to ensure the loans it lent him were affordable. What happened A summary of Mr C’s borrowing can be found below.... (5 pages)View decision -
Decision Reference DRN-2631321
13 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2631321 The complaint Ms T complains that NewDay Ltd – trading as Aqua – were irresponsible in approving a credit card for her because she thinks it was unaffordable, and she says she was vulnerable due to her poor mental health at the time. When I refer to what Ms T has said, and Aqua... (7 pages)View decision -
Decision Reference DRN9427782
22 Aug 2018 HSBC Bank plc Not upheldBanking and creditMr N makes a number of complaints about the way in which HSBC Bank plc dealt with his chargeback complaint and that HSBC says he now owes it a large amount of money.backgroundMr N says he was persuaded by a company, I will call B, to make a number of payments to... (2 pages)View decision
