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
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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-4667961
7 Mar 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4667961 The complaint Miss T complains that Monzo Bank Ltd (“Monzo”) won’t refund transactions made from her account, which she says she didn’t authorise, as well as increases made to her overdraft. What happened Miss T opened an account with Monzo on 12 August 2022. A number of paymen... (4 pages)View decision -
Decision Reference DRN4959225
28 Sep 2017 Barclays Bank Plc Not upheldBanking and creditMr W complains that Barclays Bank PLC has irresponsibly given him a loan which was unaffordable.backgroundMr W applied for a Barclays loan in November 2016 for £11,100 with monthly repayments of £208.41. He says that loan was unaffordable and proper checks weren’t car... (2 pages)View decision -
Decision Reference DRN-4781475
7 May 2024 Metro Bank PLC Not upheldConsumer CreditDRN-4781475 The complaint Mr P complains that Metro Bank PLC trading as RateSetter (RS) lent to him irresponsibly. What happened Mr P took out two loans from RS as shown: Date Amount/Purpose Fee Payments Notes September 2016 £5,000 – debt consolidation £85.50 £147.99/ 36 months Repaid Nove... (6 pages)View decision -
Decision Reference DRN-3376861
30 Mar 2022 National Westminster Bank Plc Not upheldConsumer CreditDRN-3376861 The complaint Mr W complains that National Westminster Bank Plc (NatWest) made an irresponsible lending decision when providing him with a personal loan. What happened In November 2018 Mr W took out a personal loan with NatWest for £6000. The loan was to be repaid over a period... (3 pages)View decision -
Decision Reference DRN-4620822
2 Apr 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-4620822 Complaint Mr G complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance at a time where he had a gambling addiction. Background In Jan... (3 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 -
Decision Reference DRN-3260377
23 Apr 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3260377 The complaint Miss H complains that Vanquis Bank Limited irresponsibly allowed her to open a credit card account which was unaffordable. What happened Miss H says she applied for the account in June 2021 and says Vanquis should not have approved her application. She says approp... (2 pages)View decision -
Decision Reference DRN2344510
14 Aug 2018 Loans 2 Go Limited Not upheldBanking and creditMr H complains that his loans from Loans 2 Go Limited were unaffordable and shouldn’t have been made to him – and he says that his mental health and gambling issues weren’t properly considered. backgroundLoans 2 Go made two log-book loans, which were secured on his ca... (3 pages)View decision -
Decision Reference DRN6261148
21 Mar 2019 Sainsbury's Bank Plc Not upheldBanking and creditMr A complains that Sainsbury’s Bank Plc reissued his credit card after a long time of inactivity without carrying out any affordability checks.backgroundMr A says that after a number of years when his credit card was suspended due to him being in a debt management plan... (3 pages)View decision
