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 4692 results
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Decision Reference DRN-4511519
14 Dec 2023 247 Money Group Limited UpheldConsumer CreditDRN-4511519 The complaint Miss T is complaining about 247 Money Group Limited (247). She says they shouldn’t have lent to her as the repayments were unaffordable. What happened In February 2021, Miss T took out a hire purchase agreement with 247 to finance the purchase of a car. She paid n... (4 pages)View decision -
Decision Reference DRN-1649369
20 Jun 2020 Lloyds Bank PLC Not upheldBanking and PaymentsThe complaint Miss P complains that Lloyds Bank Plc lent irresponsibly to her by allowing her overdraft to be increased significantly over short period. She would like charges and interest to be reimbursed. What happened Miss P had a current account with Lloyds. She made an application via... (2 pages)View decision -
Decision Reference DRN7106583
24 Nov 2016 Indigo Michael Limited Not upheldBanking and creditMr G complains that Indigo Michael Limited gave him loans he couldn’t afford to repay. He asks that the balance is written off and the loans are removed from his credit files.backgroundMr G took seven loans from IML between 31 March and 1 May 2014. While IML didn’t ... (3 pages)View decision -
Decision Reference DRN8231234
10 Jan 2018 Lending Stream Llc UpheldBanking and creditMr W complains that Lending Stream LLC 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. Mr W is represented by a claims management company.backgroundMr W took out 2... (4 pages)View decision -
Decision Reference DRN-5010167
10 Sep 2024 Nationwide Building Society UpheldBanking and PaymentsDRN-5010167 The complaint Mr M complains Nationwide Building Society didn’t contact him when there was unusual activity on his account. He also complains that Nationwide Building Society didn’t provide him with a letter about the activity he needed when he asked for it. He says this mea... (3 pages)View decision -
Decision Reference DRN-4954555
8 Aug 2024 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4954555 The complaint Mr T is complaining about Clydesdale Bank Plc trading as Virgin Money because he says it lent irresponsibly when providing him with a credit card. He says it knew he had issues with gambling and shouldn’t have agreed to lend him more money. What happened On 25 ... (5 pages)View decision -
Decision Reference DRN-3465666
6 May 2022 Barclays Bank UK PLC Not upheldConsumer CreditDRN-3465666 The complaint Mr K complains that Barclays Bank UK PLC made an irresponsible lending decision when it provided him with a loan. And it’s failed to treat him fairly when he’s later found himself in financial difficulties. What happened Mr K took out a personal loan with Barclays... (4 pages)View decision -
Decision Reference DRN5924217
12 Oct 2015 HSBC Bank plc Not upheldBanking and creditMr A complains that HSBC Bank plc has refused to refund several online transactions which he says he did not make. backgroundMr A’s HSBC debit card was used to make a number of online gambling transactions, totalling over £37,500. He says he did not make these ... (2 pages)View decision -
Decision Reference DRN9607766
15 Dec 2017 WDFC UK Limited UpheldBanking and creditMr J complains that WDFC UK Limited (trading as Wonga) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges, removes information about the loans from his credit file and writes off the balance.backgroundMr J took out 52 loans w... (5 pages)View decision -
Decision Reference DRN4276589
7 Sep 2015 MBNA Limited Not upheldBanking and creditMr M is unhappy that MBNA Limited didn’t close his credit card account. backgroundMr M has a credit card account with MBNA. He also has a gambling problem. His credit card account balance was made up of gambling debts. In September 2013 Mr M received help from hi... (2 pages)View decision
