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 4726 results
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Decision Reference DRN-4471257
2 Jan 2024 Startline Motor Finance Limited UpheldConsumer CreditDRN-4471257 The complaint Mr B complains Startline Motor Finance Limited (Startline) irresponsibly entered into a hire purchase agreement with him because it didn’t complete reasonable and proportionate checks to ensure the agreement was affordable. What happened Mr B entered into a hire p... (5 pages)View decision -
Decision Reference DRN-4355729
20 Sep 2023 Zopa Bank Limited Not upheldConsumer CreditDRN-4355729 The complaint Mr B has complained that Zopa Bank Limited (“Zopa”) acted irresponsibly when it provided him with a £10,000 loan in July 2021. Background Mr B was approved for a £10,000 loan from Zopa in July 2021. He has told us that he is a compulsive gambler and that the loan ... (3 pages)View decision -
Decision Reference DRN8963018
13 Sep 2018 Everyday Lending Limited Not upheldBanking and creditMr H complains that Everyday Lending Limited (trading as Everyday Loans) (EL) lent him money irresponsibly. backgroundThe background to this complaint and my provisional findings are set out in my provisional decision dated 8 August 2018 – a copy is attached and this f... (5 pages)View decision -
Decision Reference DRN-4524483
21 Dec 2023 Santander UK Plc UpheldBanking and PaymentsDRN-4524483 The complaint A limited company, that I will refer to as S, complains about the inability to make certain payments from its business bank account using its Santander UK Plc debit card. What happened The following is intended only as a brief summary of events. S operates within ... (4 pages)View decision -
Decision Reference DRN3604103
1 Nov 2017 Santander UK Plc Not upheldBanking and creditMr T complained about charges on his account with Santander UK Plc. He wants all charges refunded for the last six years, together with compensation for the effect the charges had had on him.backgroundMr T complained about charges which Santander had made to his c... (3 pages)View decision -
Decision Reference DRN0534133
11 Feb 2020 Avantcredit Of Uk, Llc Not upheldBanking and creditMr L complains AvantCredit of UK, LLC (“AvantCredit”) acted irresponsibly when they lent him money.backgroundMr L brought his concerns to us as he was unhappy with the response he received from AvantCredit when complained to them about the loan of £5000 taken on 26 May 2017.AvantCredit did... (2 pages)View decision -
Decision Reference DRN-4610139
14 Feb 2024 Lloyds Bank PLC Not upheldConsumer CreditDRN-4610139 Complaint Mr M has complained about a personal loan Lloyds Bank PLC (“Lloyds”) provided to him. He says that the loan was unaffordable. Background Mr M also complained about credit cards which Lloyds provided to him. But we’ve already provided him with an answer on that separat... (3 pages)View decision -
Decision Reference DRN-4109743
11 Aug 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4109743 The complaint Mr B complains that Valour Finance Limited, trading as Savvy.co.uk (“Valour”), lent to him when he could not afford it. What happened In March 2022 Mr B was approved for one loan of £700 repayable over eight months at just over £168 each month commencing April 202... (3 pages)View decision -
Decision Reference DRN-1862646
27 May 2020 Commsave Credit Union Limited Not upheldConsumer CreditDRN-1862646 The complaintMr F believes Commsave Credit Union Limited acted irresponsibly by agreeing loans he’d applied for. What happenedI issued my provisional decision on this complaint on 19 May 2020, a copy of which is below and forms part of this decision. copy of provisional decisio... (6 pages)View decision -
Decision Reference DRN7308299
9 Mar 2020 Bank of Scotland Plc Not upheldBanking and creditMiss F has complained Bank of Scotland plc, trading as Halifax, didn’t manage her complaint properly when she disputed some payments made using her debit card.backgroundMiss F linked her debit card to her partner’s account with an online payment scheme (who I’ll call P). In March 2018 she ... (3 pages)View decision
