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 DRN-4217839
30 Jun 2023 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-4217839 The complaint Mr S complains that American Express Services Europe Limited (Amex) lent to him irresponsibly. What happened In February 2022, Mr S applied for a credit card from Amex. It was agreed with a limit of £8,000. Minimum payments (or more) were made until September 2022... (4 pages)View decision -
Decision Reference DRN-5344892
11 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5344892 The complaint Mr S complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr S applied for a credit card with Vanquis in May 2016. In his application Mr S said he had an income ... (3 pages)View decision -
Decision Reference DRN-4273156
31 Jul 2023 Blue Motor Finance Ltd UpheldConsumer CreditDRN-4273156 The complaint Mr W has complained about a hire purchase agreement he had with Blue Motor Finance Ltd (BMF). He says he shouldn’t have been given the agreement. What happened In March 2020 Mr W entered into a 5-year hire purchase agreement with BMF to acquire a car. The car cost... (4 pages)View decision -
Decision Reference DRN-3213827
2 Aug 2022 Number One Police Credit Union Limited UpheldConsumer CreditDRN-3213827 The complaint Mr A is unhappy that Number One Police Credit Union Limited (trading as No 1 CopperPot Credit Union) provided him with loans that were unaffordable. What happened Mr A took out a number of loans with CopperPot Credit Union (CPCU), on the following basis: Loan numb... (8 pages)View decision -
Decision Reference DRN-4778347
3 Jun 2024 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-4778347 The complaint Mr P Mr P complains that Sainsbury’s Bank PLC lent to him irresponsibly. What happened Mr P applied for two loans. A brief loan table gives some details. Loan Approved Amount Interest Repayments and term Repaid 1 28 November 2016 £24,000 £5,448.72 74 months at £40... (9 pages)View decision -
Decision Reference DRN5289740
17 Jun 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr L complains that The Royal Bank of Scotland Plc has not refunded a number of transactions that he says he did not make or authorise, and the bank has also closed his account.backgroundMr L opened an account with RBS in March 2013. He later complained that there were over 15 onlin... (2 pages)View decision -
Decision Reference DRN9552124
26 Mar 2015 Barclays Bank Plc Not upheldBanking and creditMr T complains that Barclays Bank Plc lent him an unsecured loan for £35,000 without checking his financial history. He wants the debt cleared.backgroundMr T applied for an unsecured loan for £35,000 from Barclays. He met the repayments on time for six months but then c... (2 pages)View decision -
Decision Reference DRN-4459802
17 Nov 2023 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4459802 The complaint Mrs W complains that Clydesdale Bank Plc trading as Virgin Money was irresponsible in its lending to her. What happened Mrs W was provided with a credit card account with a credit limit of £6,200 in July 2021. She says that this credit limit shouldn’t have been pr... (3 pages)View decision -
Decision Reference DRN-4277960
21 Sep 2023 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-4277960 The complaint Mr C complained that Brent Shrine Credit Union Limited, trading as My Community Bank (“BSCU”) irresponsibly granted a personal loan in November 2022 that he couldn’t afford to repay. What happened In November 2022, Mr C took out a loan of £3,000, over a term of 24... (3 pages)View decision -
Decision Reference DRN1628159
24 May 2018 Active Securities Limited UpheldBanking and creditMr M complains that Active Securities Limited trading as 247 Moneybox lent him money that he couldn’t afford to repay.backgroundMr M took out five loans with 247 Moneybox between January and November 2013. He doesn’t think it carried out enough checks before agreeing to... (3 pages)View decision
