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 5795 results
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Decision Reference DRN-5118539
14 Feb 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5118539 The complaint Mr F complains that Lloyds Bank PLC (Lloyds) is refusing to refund him the amount he says he lost as the result of a scam. Mr F is being represented by a third party. To keep things simple, I will refer to Mr F throughout my decision. What happened The backgrou... (3 pages)View decision -
Decision Reference DRN-3051534
17 Nov 2021 Everyday Lending Limited UpheldConsumer CreditDRN-3051534 The complaint Mr W has complained about a loan granted to him by Everyday Lending Limited, trading as Everyday Loans, (“ELL”), which he said was unaffordable. What happened ELL agreed a loan for Mr W on 26 May 2018. The loan was for £5,000 and was repayable by 24 monthly payme... (6 pages)View decision -
Decision Reference DRN9673231
28 Sep 2016 PDL Finance Limited UpheldBanking and creditMr H complains that PDL Finance Limited trading as Mr Lender (“Mr Lender”) gave him unaffordable loans. He wants a refund of all the interest he has paid.backgroundIn my provisional decision I set out why I intended to uphold Mr H’s complaint. Mr H agreed with my p... (2 pages)View decision -
Decision Reference DRN6144580
30 Jul 2013 Barclays Bank Plc Not upheldBanking and creditMr B complains that Barclays Bank PLC trading as Barclaycard (“Barclaycard”) was irresponsible in allowing him to exceed his credit limit.background Mr B had drunk alcohol and had taken prescription medication when he used his credit card on an online gambling website one evening. The ... (2 pages)View decision -
Decision Reference DRN5525835
16 Oct 2018 Gain Credit LLC Not upheldBanking and creditMiss T complains that Gain Credit LLC was irresponsible when it gave her loans. Miss T is represented by a claims management company. Her representative asks that Gain Credit pays compensation and refunds the loans. backgroundMiss T took out four loans in 2017. Her re... (2 pages)View decision -
Decision Reference DRN-3323980
15 Mar 2022 Santander UK Plc UpheldConsumer CreditDRN-3323980 The complaint Miss S has complained that Santander UK Plc (Santander) acted irresponsibly when it provided her with three loans between 2012-2014. Background Miss S applied for, and was granted, threes loans from Santander in 2012, 2013 and 2014. She has said that all three loa... (3 pages)View decision -
Decision Reference DRN3052098
18 Jan 2016 Tesco Personal Finance PLC UpheldBanking and creditMr K complains that Tesco Personal Finance plc (trading as Tesco Bank) wrongly deducted Tesco Clubcard points from his account.backgroundWhen Mr K received credits on his Tesco credit card from a gambling company, he noticed Clubcard points were being deducted, even ... (1 page)View decision -
Decision Reference DRN-3490275
9 Aug 2022 Progressive Money Limited UpheldConsumer CreditDRN-3490275 The complaint Miss N complains that Progressive Money Limited (PML), lent to her irresponsibly. What happened Using information from PML then it seems that Miss N was approved for a loan which commenced 7 December 2017. It was for £3,900 of which £2,481 was used to pay off anot... (7 pages)View decision -
Decision Reference DRN1200600
29 Mar 2018 Nationwide Building Society UpheldBanking and creditMr R complains that Nationwide Building Society would not refund payments he says he did not make.backgroundMr R reported pending card payments to an online gambling company as fraudulent on 16 May 2017. Nationwide raised a visa dispute. This was defended by the onli... (2 pages)View decision -
Decision Reference DRN-5507989
30 Apr 2025 Bamboo Limited Not upheldConsumer CreditDRN-5507989 The complaint Miss D complains that Bamboo Limited irresponsibly lent her an unsecured loan. What happened Miss D took out a loan of £7,000 with Bamboo in January 2021. The loan was agreed over a term of two years with monthly payments of £392.51. The interest rate was a fix... (4 pages)View decision