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 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 DRN-5073217
22 Oct 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-5073217 The complaint Mr K is unhappy with Nationwide Building Society. Mr K said Nationwide’s fraud team contacted him about a transaction on his account. It said the transaction amount (£480) would be returned to him. But the amount did then leave his account and Mr K wants Nation... (2 pages)View decision -
Decision Reference DRN7512419
22 Feb 2019 Lendfair Limited Not upheldBanking and creditMrs H complains that Lend Fair Ltd was irresponsible in granting her a loan.backgroundMrs H took out a guarantor loan in August 2016 for £4,000 repayable over 39 months at £184.39 a month. In the summer of 2018 Mrs H complained to Lend Fair. It rejected her complai... (2 pages)View decision -
Decision Reference DRN6995435
25 Oct 2017 Lending Stream Llc UpheldBanking and creditMr F complains that Lending Stream LLC gave him loans that he couldn’t afford.background Mr F took out a total of 14 loans with Lending Stream between March 2015 and May 2017. Each loan was due to be repaid in six monthly instalments. Details of the loans are as f... (4 pages)View decision -
Decision Reference DRN-5773497
27 Aug 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldBanking and PaymentsDRN-5773497 The complaint Mr A complains National Westminster Bank Public Limited Company lent to him unfairly when they approved his applications to increase his overdraft limit and failed to adequately monitor his use of the overdraft. What happened Mr A complains about NatWest’s len... (3 pages)View decision -
Decision Reference DRN4919305
31 Oct 2013 Barclays Bank Plc Not upheldBanking and creditMrs K complains that Barclays Bank Plc has refused to refund disputed transactions on her bank account. She wants Barclays to refund the money.backgroundMrs K had a bank account with Barclays, which she used for normal banking purposes. She says that in July 2012 she collapsed in the... (3 pages)View decision -
Decision Reference DRN-5497428
27 May 2025 The Royal Bank of Scotland Plc Not upheldConsumer CreditDRN-5497428 The complaint Miss M complains that The Royal Bank of Scotland Plc (RBS) was irresponsible in its lending to her. She wants all interest and charges removed from her loan account, so she is only liable to repay the amount she borrowed. What happened Miss M was provided with ... (3 pages)View decision -
Decision Reference DRN1972429
6 Apr 2017 MEM Consumer Finance Limited UpheldBanking and creditMr C complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans he couldn’t afford to pay back. backgroundMr C took out 18 loans with Payday UK between 28 December 2012 and 23 February 2015. Our adjudicator thought that most of Mr C’s complaint ... (4 pages)View decision -
Decision Reference DRN-4130313
3 Aug 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4130313 The complaint Mr M complains that FUND OURSELVES LIMITED (“FOL”) lent to him irresponsibly. What happened Using information from FOL’s records here is a brief loan table: Loan Borrowed Date Closed Date Borrowed Amount Term Months Repayment Amount 1 30 September 2021 18 October ... (4 pages)View decision -
Decision Reference DRN-5059238
18 Oct 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-5059238 The complaint Miss S has complained that Loans 2 Go Limited (“L2G”) acted irresponsibly when it approved her for two personal loans in January and May 2023. Background Miss S applied for two separate loans with L2G in 2023. The first loan was for £1,000 and was repayable ove... (3 pages)View decision
