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 4727 results
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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 DRN6849286
14 Oct 2020 Everyday Lending Limited UpheldBanking and creditComplaint Miss G has complained about loans granted to her by Everyday Lending Limited (“EDL”). She says that the loans were unaffordable for her and EDL was wrong to have agreed to them. Background EDL agreed three loans for Miss G: a loan of £3,000 in June 2014; a second of £4,576 in Jan... (6 pages)View decision -
Decision Reference DRN-4725347
16 May 2024 Santander UK Plc UpheldConsumer CreditDRN-4725347 The complaint Mr L complains that Santander UK Plc approved two loans for him in 2021 irresponsibly. What happened Mr L took two loans from Santander. He was an existing current and savings account customer at the time. Loan 1 was in June 2021, for £2,500 to be repaid over 48 m... (6 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 DRN-2953478
5 Aug 2021 Madison CF UK Limited Not upheldConsumer CreditDRN-2953478 The complaint Mr B complains that a loan given to him by Madison CF UK Limited trading as 118 118 Money (118) was unaffordable for him. What happened In April 2019, Mr B applied to 118 for a loan of £5,000 to be repaid in 24 monthly instalments of £297.26. The total amount repa... (4 pages)View decision -
Decision Reference DRN6859717
9 Feb 2018 Lloyds Bank PLC Not upheldBanking and creditMr K complains that Lloyds Bank Plc won’t refund some debit card payments that were made by a fraudster.backgroundMr K has a current account with Lloyds. He told Lloyds that a number of transactions he didn’t recognise had been made using his debit card, which add... (3 pages)View decision -
Decision Reference DRN2475171
23 Jan 2015 Bank of Scotland Plc Not upheldBanking and creditMr L complains that Bank of Scotland plc (trading as Halifax) lent to him irresponsibly when it increased his overdraft. He’d like Halifax to reduce or write off his overdraft. Mr L has brought his complaint through a relative.backgroundMr L has a current account with Halifax. In the au... (2 pages)View decision -
Decision Reference DRN-2557572
30 Sep 2021 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2557572 The complaint Miss B is unhappy that Provident Personal Credit Limited trading as Satsuma Loans allowed a loan to be taken out in her name. She says the loan was applied for by her ex-partner without her permission but it is holding her responsible for the borrowing. What happe... (4 pages)View decision -
Decision Reference DRN3094213
16 Dec 2019 Loans 2 Go Limited UpheldBanking and creditMr M complains that Loans 2 Go Limited (“L2G”) irresponsibly gave him a number of loans he couldn’t afford to pay. backgroundAs far as I can see, Mr M was given twelve loans between August 2015 and October 2018. The loans were a mixture of logbook loans and unsecured personal ones. One of ... (2 pages)View decision -
Decision Reference DRN-5401056
17 Mar 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5401056 The complaint Mrs and Mr R complain that Santander UK Plc irresponsibly gave them an overdraft facility and it continued to unfairly apply overdraft charges when they were struggling financially. What happened In May 2018, Mrs and Mr R applied for a £200 overdraft facility f... (6 pages)View decision
