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 DRN-3309268
11 Feb 2022 Bamboo Limited UpheldConsumer CreditDRN-3309268 The complaint Mr H has complained that Bamboo Limited (“Bamboo”) provided him with three unaffordable loans. What happened Bamboo provided Mr H with three loans. The details are provided below: Loan Date Capital Amount Term in months Monthly repayment 1 05/10/2015 £1000.00 12 £... (4 pages)View decision -
Decision Reference DRN4184146
27 Feb 2019 Bank of Scotland Plc Not upheldBanking and creditMr C complains that about the lending that Bank of Scotland plc (“BoS”) made to him. This complaint deals with his overdraft.backgroundMr C said that he was given bad advice by BoS about consolidating his debts, then allowed to borrow again. He has complained to our ... (4 pages)View decision -
Decision Reference DRN1485378
16 Jun 2020 Bank of Scotland Plc Not upheldBanking and creditMr M has complained Bank of Scotland plc, trading as Halifax, won’t refund transactions he didn’t make.backgroundMr M had got in touch with Halifax as he believed he’d been a victim of ID fraud. This was after he’d been notified he had a limited balance on his Halifax account. Firstly ther... (4 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 DRN6770325
23 Jan 2020 Nationwide Building Society Not upheldBanking and creditMr H is unhappy with Nationwide Building Society’s decision to not refund transactions he says he didn’t make or authorise in August and October 2017.Mr H has another complaint with this service relating to other disputed transactions, beginning in February 2018 and running through to Apri... (4 pages)View decision -
Decision Reference DRN1230707
18 Dec 2018 Indigo Michael Limited Not upheldBanking and creditMs M has complained that Indigo Michael Limited (trading as Safety Net Credit (“SNC”)) irresponsibly gave her and then increased a Safety Net facility in 2016.backgroundMs M approached SNC for a Safety Net facility in late 2015. This was a running credit account wher... (3 pages)View decision -
Decision Reference DRN4798035
2 Oct 2019 Lloyds Bank PLC Not upheldBanking and creditComplaintMr S complains about Lloyds Bank PLC’s decision to increase his overdraft limit. Background The background to this complaint and my initial conclusions were set out in my provisional decision dated 19 August 2019 - a copy of which is attached and forms part of this decision. In my... (5 pages)View decision -
Decision Reference DRN-4400928
16 Oct 2023 Zopa Bank Limited UpheldConsumer CreditDRN-4400928 The complaint Mr G has complained that Zopa Bank Limited acted irresponsibly when it provided him with both a hire purchase agreement and an unsecured personal loan in 2021. What happened Mr G applied for a hire purchase agreement for £5,000 in June 2021 and an unsecured person... (4 pages)View decision -
Decision Reference DRN-4188510
23 Nov 2023 Western Circle Ltd Not upheldConsumer CreditDRN-4188510 The complaint Mr B has complained that Western Circle Ltd trading as Cashfloat (“Cashfloat”) didn’t carry out appropriate due diligence before it lent to him. Mr B says that if Cashfloat had carried out further checks, it would’ve seen evidence of Mr B’s gambling. What happene... (3 pages)View decision -
Decision Reference DRN9840389
6 Jun 2018 Casheuronet UK LLC UpheldBanking and creditMiss L complains that CashEuroNet UK LLC, trading as QuickQuid, (“QQ”), gave her loansthat she couldn’t afford to repay.backgroundMiss L was given 16 loans by QQ between April 2012 and December 2016. The loans haveall been fully repaid, although five of the loans appe... (8 pages)View decision
