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 4607 results
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Decision Reference DRN5529858
8 May 2017 Uncle Buck Finance LLP Not upheldBanking and creditMr O complains Uncle Buck Finance LLP lent him money he couldn’t afford to repay.backgroundMr O took out five loans with Uncle Buck, of which four were instalment loans.date takenamountinstalmentshighest monthly paymentDate repaid19 April 2015£2500n/a30 April 20154 M... (3 pages)View decision -
Decision Reference DRN-3081509
23 Nov 2021 TFS Loans Limited UpheldConsumer CreditDRN-3081509 The complaint Mr M has complained that TFS Loans Limited (“TFS Loans”) provided him with two unaffordable loans. What happened TFS Loans provided Mr M with two guarantor loans. The details are as follows: Loan Amount Term Total to repay Monthly Instalment 1 £1000 24m £1650 £68... (4 pages)View decision -
Decision Reference DRN-4943858
1 Nov 2024 Wiltshire and Swindon Credit Union Limited Not upheldConsumer CreditDRN-4943858 The complaint Mr A brings this complaint on behalf of his grandmother Mrs M. The complaint is about the actions of Wiltshire and Swindon Credit Union Limited trading as Acorn Community Bank (“Acorn”) in offering loans to Mrs M. Mr A says that Mrs M has health concerns and a ... (3 pages)View decision -
Decision Reference DRN0858968
2 Mar 2020 TSB Bank plc UpheldBanking and creditMiss O complains that TSB Bank plc irresponsibly gave her an overdraft and later increased that overdraft limit.backgroundMiss O applied for an overdraft in August 2018 but TSB refused the application and told her that any lending would be irresponsible as she was spending her money on gam... (4 pages)View decision -
Decision Reference DRN-2879741
23 Jun 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2879741 The complaint Mrs K complains that NewDay Ltd trading as Aqua irresponsibly allowed her to open a credit card account and later increased her credit limit which were both unaffordable. What happened Mrs K says she was in financial difficulties when the credit card account was o... (2 pages)View decision -
Decision Reference DRN-2000041
18 May 2021 Retail Money Market Ltd UpheldConsumer CreditDRN-2000041 The complaint Mr A complains that Retail Money Market Ltd trading as Ratesetter irresponsibly lent to him. Mr A says he shouldn’t have been lent the loan as he was in debt with other lenders and had a gambling problem. What happened Ratesetter lent Mr a one loan in April 2016, ... (2 pages)View decision -
Decision Reference DRN6519791
15 May 2018 Provident Personal Credit Limited Not upheldBanking and creditMr S complains that Provident Personal Credit Limited (trading as Satsuma Loans) lent him money without carrying out proper affordability checks.backgroundMr S borrowed £1,000 from Satsuma Loans on 25 March 2017. It was to be repaid with six monthly instalments of £31... (2 pages)View decision -
Decision Reference DRN-3664571
3 Nov 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3664571 The complaint Mr M complains that Santander UK Plc won’t refund disputed payments made from his current account. What happened Mr M says that between January and September 2020 fraudulent transactions totalling over £6,000 were made from his current account to online gambling c... (3 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
