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 5162 results
-
Decision Reference DRN-3955093
28 Jun 2023 My Finance Club Limited Not upheldConsumer CreditDRN-3955093 The complaint Mr S complains that My Finance Club lent to him when it should not have done. He complains that the most basic of checks by My Finance Club would have shown the state of his finances and led it not to have lent to him. What happened On 31 May 2022 Mr S was approve... (3 pages)View decision -
Decision Reference DRN-4454645
21 Nov 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-4454645 Complaint Miss W has complained about a loan Loans 2 Go Limited (“L2G”) provided to her. She says the loan was unaffordable as she had serious gambling issues and if L2G had carried out proportionate checks it would have seen this. Background L2G provided Miss W with a loan for... (3 pages)View decision -
Decision Reference DRN4092702
29 Mar 2018 Provident Personal Credit Limited UpheldBanking and creditMr B complains that Provident Personal Credit Limited (trading as Satsuma) gave him loans that he couldn’t afford to repay.background Mr B was given two loans by Satsuma in 2017. He borrowed £500 in May 2017 that he agreed to pay back over the following six months. ... (3 pages)View decision -
Decision Reference DRN-3237628
4 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3237628 The complaint Mr S complains that Everyday Lending Limited (trading as “Trust Two”) lent him a loan he couldn’t afford. What happened Mr S took out another loan on .. ..... 2019 with Everyday Lending Limited, but this is being looked at under reference number ............ I am ... (3 pages)View decision -
Decision Reference DRN9258753
16 Jan 2020 HSBC UK Bank Plc UpheldBanking and creditMr I complains that HSBC UK Bank Plc granted his applications for personal loans which were not affordable.backgroundMr I says he applied for loans from HSBC when he was suffering from depression and was gambling heavily. He says he wasn’t working at the time but told the bank he was in em... (3 pages)View decision -
Decision Reference DRN-4731318
13 Nov 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4731318 Complaint Mrs D has complained that Santander did not reimburse her after she reported losing money in what she now believes to be a scam. Background In 2019, Mrs D was persuaded to invest in bonds issued by a company I’ll refer to as “B.” The company marketed these bonds ... (3 pages)View decision -
Decision Reference DRN-4328614
26 Oct 2023 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4328614 The complaint Miss S complains that Clydesdale Bank Plc trading as Virgin Money was irresponsible in its lending to her. What happened Miss S was provided with a credit card with a credit limit of £6,700, by Virgin Money in August 2022. She says the lending was unaffordable and... (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 DRN8228715
5 Sep 2014 Lloyds Bank PLC Not upheldBanking and creditMr J complains that Lloyds Bank PLC won’t refund payments he says were made from his account without his authority. The transactions were bets placed on a cricket match using Mr J’s debit card and his online betting account with a third party provider. Mr J says shortly before th... (2 pages)View decision -
Decision Reference DRN9430523
31 Jan 2018 Legal and General Assurance Society Limited Not upheldInvestment and pensionsMs O has complained about advice she received to transfer her existing occupational pension when she joined Legal and General Assurance Society Limited as an employee in 1986.backgroundMs O left her employment with a bank in 1986 and joined L&G. She had accrued nine... (2 pages)View decision
