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 4619 results
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Decision Reference DRN7750029
11 Jan 2018 Lending Stream Llc UpheldBanking and creditMr O complains that Lending Stream LLC gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges.backgroundMr O took out seven instalment loans between March 2015 and May 2016. He says he was borrowing money to fund a gambling addiction... (4 pages)View decision -
Decision Reference DRN-1820046
19 May 2020 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-1820046 ComplaintMr J complains that Barclays Bank UK PLC acted irresponsibly when it increased his arranged overdraft several times even though it knew or ought to have known that he couldn’t afford it. BackgroundMr J had an arranged overdraft with Barclays. Mr J requested and was gra... (5 pages)View decision -
Decision Reference DRN-2873482
7 Jul 2021 NewDay Ltd UpheldBanking and PaymentsPage 1 of 8The complaint Mr O complains that NewDay Ltd, trading as Aqua and Marbles (NewDay) irresponsibly provided him with two credit cards and limit increases on those cards, which increased his debt. What happened In August 2015, Mr O applied for an Aqua branded credit card with NewDa... (8 pages)View decision -
Decision Reference DRN1403859
18 Feb 2020 Commsave Credit Union Limited UpheldBanking and creditMr F’s complaint against Commsave Credit Union Limited (Commsave) is that it continued to irresponsibly lend to him after he told it about his gambling addiction. backgroundMr M had a loan with Commsave. On 17 February 2015, he notified it that he had a gambling addiction; was in financial... (2 pages)View decision -
Decision Reference DRN-4000778
9 May 2023 FirstRand Bank Limited Not upheldConsumer CreditDRN-4000778 The complaint Miss B complains that FirstRand Bank Limited trading as Motonovo Finance irresponsibly granted her a hire purchase agreement she couldn’t afford to repay. What happened In August 2018, Miss B acquired a used car financed by a Hire Purchase agreement from MotoNovo ... (2 pages)View decision -
Decision Reference DRN-4351359
2 Oct 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-4351359 The complaint Miss S has complained that Santander UK Plc acted irresponsibly when it provided her with a credit card in September 2022. What happened Miss S applied for a credit card with Santander in September 2022. At that time, she said she had a history of compulsive spend... (3 pages)View decision -
Decision Reference DRN-5013861
26 Sep 2024 ONMO Limited Not upheldBanking and PaymentsDRN-5013861 The complaint Mr H complains that ONMO Limited shouldn‘t have accepted his application for a credit card account. What happened Mr H applied for a credit card account with ONMO in May 2023. His application was accepted and he was given a credit card with a £1,500 credit limi... (3 pages)View decision -
Decision Reference DRN-5102521
11 Nov 2024 Plata Finance Limited Not upheldConsumer CreditDRN-5102521 The complaint Mr H says Plata Finance Limited irresponsibly lent to him. What happened Mr H took out a £10,000 loan over 60 months from Plata on 25 March 2024. The monthly repayments were £232.53 and the total repayable was £13,951.62. Mr H says he took out a loan from Pla... (3 pages)View decision -
Decision Reference DRN-5165750
13 Jan 2025 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-5165750 The complaint The estate of Mr H has complained The Co-operative Bank plc allowed a third party to be authorised to use their father’s account despite the signature being fraudulent. They also believe gambling transactions on the account went unnoticed by the bank and that t... (3 pages)View decision -
Decision Reference DRN-5185192
6 Dec 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-5185192 The complaint Mr E complains that Loans 2 Go Limited lent irresponsibly when it approved a loan application he made. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I said: Mr E applied for a loan of £1,000 w... (5 pages)View decision
