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
-
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 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 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 -
Decision Reference DRN6007817
3 Apr 2018 Madison CF UK Limited Not upheldBanking and creditMr M complains that Madison CF UK Limited (trading as 118118 Money) sold him a loan he could not afford.backgroundIn February 2017 Mr M borrowed £2,100 from 118118 Money. He was to repay this at just over £160 a month for two years. He made one repayment in Februar... (2 pages)View decision -
Decision Reference DRN-2859438
24 Feb 2022 R. Raphael & Sons Limited UpheldConsumer CreditDRN-2859438 The complaint Mr C complains that R. Raphael & Sons Limited (RRS) acted irresponsibly when providing him a loan that he believed was unaffordable. What happened In September 2015, Mr C took out a loan with RRS for £4500. The loan was to be repaid over a period of 48 months ... (3 pages)View decision -
Decision Reference DRN-1651728
16 Nov 2020 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1651728 The complaint Mr M has complained that The Royal Bank of Scotland Plc (RBS) didn’t stop a succession of payments to a gambling website. What happened Mr M said some family members made multiple payments, totalling £1159, to a gambling website in one evening. They were made from... (2 pages)View decision -
Decision Reference DRN4131780
15 Jan 2018 Uncle Buck Finance LLP UpheldBanking and creditMr D complains that Uncle Buck Finance LLP gave him unaffordable payday loans.backgroundMr D had six loans from Uncle Buck between February and November 2015. He said he was borrowing increasing amounts to cover previous loans and these made his financial situation wo... (2 pages)View decision -
Decision Reference DRN7532560
15 Apr 2019 PDL Finance Limited UpheldBanking and creditMr B complains that PDL Finance Limited, trading as Mr Lender, gave him loans that he couldn’t afford to repay.backgroundMr B took out eight loans with Mr Lender between March and October 2014, as follows:loan number date taken amount borrowed date repaid112 March 2014 ... (3 pages)View decision -
Decision Reference DRN4295370
22 Dec 2017 Active Securities Limited Not upheldBanking and creditMrs T complains that Active Securities Limited, trading as 247 Moneybox, (“ASL”), gave herloans that she couldn’t afford to repay.background Mrs T was given 49 loans by ASL between April 2011 and October 2016. She has repaid allof them, although some were paid late. Th... (6 pages)View decision -
Decision Reference DRN1612682
12 Feb 2018 Gain Credit LLC UpheldBanking and creditMr G complains that GAIN Credit LLC (trading as Lending Stream) lent him money he couldn’t afford to repay.backgroundMr G took out 45 instalment loans between September 2014 and January 2017. He says Lending Stream shouldn’t have agreed to lend as he was stuck in a ... (4 pages)View decision
