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 5204 results
-
Decision Reference DRN-2946355
7 Aug 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2946355 The complaint Mr B and Mrs S complain about a loan provided to them by Loans 2 Go Limited trading as “Loans 2 Go”, which they say were unaffordable. What happened Loans 2 Go provided Mr B and Mrs S with a log book loan. The details of which are given in this table: Taken Insta... (3 pages)View decision -
Decision Reference DRN5315358
16 Aug 2017 Lending Stream Llc UpheldBanking and creditMr M complains that Lending Stream LLC wrongly lent him money he couldn’t afford to pay back.backgroundMr M took out six short term loans with Lending Stream between September 2011 and February 2013. He said that the business didn’t carry out proper affordability che... (3 pages)View decision -
Decision Reference DRN7761298
13 Jun 2017 MEM Consumer Finance Limited UpheldBanking and creditMiss C complains that MEM Consumer Finance Limited (trading as Payday UK) gave her loans she couldn’t afford to pay back. backgroundMiss C took out five payday loans with Payday UK. date takenamount deferrals/top upsdate repaid16 December 2009£1001 deferral29 January 201... (3 pages)View decision -
Decision Reference DRN9840889
9 Jul 2019 Ferratum UK Ltd. UpheldBanking and creditMr H says Ferratum UK Ltd irresponsibly lent to him.backgroundThis complaint is about 22 payday loans Ferratum provided to Mr H between September 2016 and August 2018. He borrowed amounts between £100 and £350 with no significant breaks in the borrowing. Mr H repaid all his loans. Our adju... (3 pages)View decision -
Decision Reference DRN-2109577
9 Dec 2020 Everyday Lending Limited Not upheldConsumer CreditDRN-2109577 The complaint Miss H is unhappy that Everyday Lending Limited trading as Everyday Loans agreed to a loan she’d applied for as she said it was unaffordable for her. What happened In September 2018 Miss H took out a £3,000 loan with Everyday, to be repaid over 24 months with repa... (3 pages)View decision -
Decision Reference DRN0195642
17 Feb 2021 Home Retail Group Card Services Limited Not upheldBanking and creditMr F has complained about an Argos store card account that he opened with Home Retail Group Card Services Limited (HRG). Mr F thinks HRG provided credit to him irresponsibly. background I issued a provisional decision about this complaint in November 2020 that I summarise below. Mr F opene... (3 pages)View decision -
Decision Reference DRN-4325481
17 Jan 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4325481 The complaint Mrs W Santander UK Plc (“Santander”) irresponsibly gave her a credit card account she couldn’t afford. What happened In August 2021, Mrs W applied for and was granted a credit card account with Santander with a credit limit of £6,600. There were no credit limit in... (3 pages)View decision -
Decision Reference DRN-4414509
27 Oct 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4414509 Complaint Mr W has complained that HSBC UK Bank Plc (“HSBC”) unfairly continued allowing him to use an overdraft even when he was hardcore borrowing. Background When HSBC reviewed Mr W’s complaint it agreed that it shouldn’t have increased Mr W’s overdraft limit from £2,000.00 ... (3 pages)View decision -
Decision Reference DRN3185432
15 Dec 2020 Bank of Scotland Plc Not upheldBanking and creditMs B complains that Bank of Scotland Plc registered a fraud prevention marker against her without due cause. background In December 2017 Ms B got in touch with Halifax (a division of Bank of Scotland Plc) as she had noticed transactions on her current account to a gambling website that she... (3 pages)View decision -
Decision Reference DRN-3817752
28 Nov 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3817752 The complaint Mr C complains about the lack of support Bank of Scotland plc trading as Halifax (“Halifax”) offered during the pandemic regarding his overdraft. He says it acted unfairly by continuing to apply charges to his account when he was in financial difficulty. What happ... (3 pages)View decision
