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 4576 results
-
Decision Reference DRN-4390956
21 Dec 2023 Metro Bank PLC UpheldBanking and PaymentsDRN-4390956 Complaint Mr G is unhappy that Metro Bank PLC (trading as RateSetter) loaded a Cifas marker against his name. Background In October 2021, Mr G applied for a loan with RateSetter. His first payment was due on 1 November 2021 but he didn’t make it. RateSetter contacted him about ... (2 pages)View decision -
Decision Reference DRN-2635905
3 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2635905 The complaint Mr W complains that the loan he had from Loans 2 Go Limited was unaffordable to him. What happened Mr W took out a fixed sum loan with Loans 2 Go on 17 May 2019. He borrowed £500 and was due to repay £114.28 monthly for 18 months, finishing on 30 October 2020. Mr ... (3 pages)View decision -
Decision Reference DRN5018826
19 Jan 2018 Everyday Lending Limited Not upheldBanking and creditMr L complains Everyday Lending Limited (trading as Everyday Loans) lent to him irresponsibly.backgroundThis complaint concerns a £1,500 loan from Everyday Loans, which Mr L applied for in November 2015. The loan was repayable over 24 months, with monthly payments of £... (3 pages)View decision -
Decision Reference DRN9673231
28 Sep 2016 PDL Finance Limited UpheldBanking and creditMr H complains that PDL Finance Limited trading as Mr Lender (“Mr Lender”) gave him unaffordable loans. He wants a refund of all the interest he has paid.backgroundIn my provisional decision I set out why I intended to uphold Mr H’s complaint. Mr H agreed with my p... (2 pages)View decision -
Decision Reference DRN6144580
30 Jul 2013 Barclays Bank Plc Not upheldBanking and creditMr B complains that Barclays Bank PLC trading as Barclaycard (“Barclaycard”) was irresponsible in allowing him to exceed his credit limit.background Mr B had drunk alcohol and had taken prescription medication when he used his credit card on an online gambling website one evening. The ... (2 pages)View decision -
Decision Reference DRN-3483604
16 Aug 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3483604 The complaint Miss R applied to Everyday Lending Limited for a loan in September 2021 and it was turned down. Miss R complains about that and wants compensation for the disappointment and that she had been led to believe it was going to be approved before it was refused. Miss R... (6 pages)View decision -
Decision Reference DRN-3958469
24 Mar 2023 Tandem Home Loans Ltd UpheldMortgagesDRN-3958469 The complaint Mr L complains that Tandem Home Loans Ltd (“Tandem”) lent to him irresponsibly as he had a significant gambling problem and numerous debts at the time he took out his secured loan. Mr L took the loan out with 1st Stop Home Loans Limited, which subsequently became ... (8 pages)View decision -
Decision Reference DRN-4791124
10 May 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4791124 The complaint Mr S complains that Moneybarn No. 1 Limited, trading as Moneybarn (‘Moneybarn’), irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In September 2020, Mr S acquired a used car financed by a conditional sa... (3 pages)View decision -
Decision Reference DRN-3166255
29 Nov 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3166255 The complaint Mr K complains that Barclays Bank UK PLC (Barclays) didn’t reduce his overdraft limit. What happened Mr K had an overdraft limit of £2,000 with Barclays. In June 2021, he asked for it to be reduced to £500. Barclays wrote to him in June 2021 and August 2021 to say... (2 pages)View decision -
Decision Reference DRN-3053351
27 Sep 2021 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3053351 The complaint Mr M has complained that Lloyds Bank Plc (“Lloyds”) irresponsibly gave him a large overdraft limit. He says that Lloyds ought to have realised he was in significant debt and that he had a gambling problem, and that he would therefore struggle to repay the overdraf... (3 pages)View decision
