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 4967 results
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Decision Reference DRN3248436
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 credit card account.backgroundMr C said that he was given bad advice by BoS about consolidating his debts, then allowed to borrow again. He has complained... (4 pages)View decision -
Decision Reference DRN-5063280
7 Nov 2024 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5063280 The complaint Mr E complains that Oodle Financial Services Limited trading as Oodle Car Finance was irresponsible in its lending to him. He wants all interest and charges refunded along with interest and compensation for the distress and inconvenience he has been caused. Mr ... (3 pages)View decision -
Decision Reference DRN9846944
5 Aug 2016 Bank of Scotland Plc Not upheldBanking and creditMr B isn’t happy that Bank of Scotland plc (trading as Halifax) let him build up an overdraft and credit card debt. backgroundMr B told us that he was on a ‘zero hours’ contract. He says that Halifax allowed him to build up an overdraft of around £2,700 and credit... (2 pages)View decision -
Decision Reference DRN1360776
15 Aug 2017 Santander UK Plc Not upheldBanking and creditMr F says that Santander UK Plc should have questioned unusual activity and put a hold on his credit card when he made frequent gambling transactions in a short period of time. He also complains that they shouldn’t have allowed his account to exceed the credit li... (2 pages)View decision -
Decision Reference DRN3148781
9 Jul 2019 National Westminster Bank Plc Not upheldBanking and creditMr D has complained that National Westminster Bank Plc (NatWest) acted irresponsibly by increasing his overdraft without doing sufficient checks on his finances.backgroundMr D has a current account with NatWest. Mr D says NatWest allowed him to increase his overdraft from £250 to £4,000 in... (2 pages)View decision -
Decision Reference DRN-3501285
26 May 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3501285 The complaint Mr Q complains that Madison CF UK Limited (trading as 118118 Money Limited) was irresponsible to lend to him. What happened Mr Q had one loan from 118118 Money on 6 August 2018. He borrowed £3,000 and needed to repay £236.11 per month for 24 months. The loan was r... (3 pages)View decision -
Decision Reference DRN-4252409
13 Dec 2023 Evolution Money Limited UpheldMortgagesDRN-4252409 The complaint Mr G complains that Evolution Money Limited (“Evolution”) mis-sold him a secured loan. Mr G has also brought a complaint against the lender about the lending decision and the action it took against him when he was in financial difficulties. I have dealt with that ... (7 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 DRN6443432
6 Mar 2020 Lloyds Bank PLC Not upheldBanking and creditMrs O has complained Lloyds Bank plc won’t refund transactions made with her debit card which she didn’t authorise. She’s also complained about an increase in her overdraft limit and a personal loan which she didn’t take out.backgroundMrs O contacted Lloyds in August 2018. She’d lost her d... (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
