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 4727 results
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Decision Reference DRN-4665169
12 Mar 2024 Valour Finance Limited UpheldConsumer CreditDRN-4665169 The complaint Mr W complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) should’ve carried out further checks before it granted unaffordable loans to him. What happened A summary of Mr W’s borrowing can be found in the table below. loan number loan amount agre... (6 pages)View decision -
Decision Reference DRN8687778
6 Nov 2013 Santander UK Plc Not upheldBanking and creditMr R has complained about Santander UK plc not blocking certain transactions from his credit card account when he requested. He wants the money back that he spent between his initial request and his account being blocked.background Mr R visited his branch on 31 January 2013 to ask them t... (2 pages)View decision -
Decision Reference DRN-5557467
21 May 2025 Barclays Bank UK PLC Not upheldConsumer CreditDRN-5557467 The complaint Mr H complains that Barclays Bank UK PLC trading as Tesco Bank (“Tesco”) irresponsibly lent to him. Mr H says he was in a vulnerable position and reasonable checks would have shown Tesco shouldn’t have lent. What happened Mr H entered into a loan agreement wit... (2 pages)View decision -
Decision Reference DRN-3908665
1 Feb 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3908665 The complaint Mr B says that Lloyds Bank PLC (“Lloyds”) acted irresponsibly by providing him with an overdraft facility and allowing him to increase his overdraft limit. Mr B says he had a gambling problem and that Lloyds were aware of his vulnerabilities and didn’t take releva... (4 pages)View decision -
Decision Reference DRN2083940
19 Jun 2017 Santander UK Plc Not upheldBanking and creditMr R complains Santander UK Plc acted irresponsibly when it allowed him to take two loans and allowed him steadily to increase his overdraft when he already had several pay day loans, a gambling addiction and other debts. backgroundMr R had a gambling addiction and dur... (2 pages)View decision -
Decision Reference DRN-3799444
3 Jan 2023 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3799444 The complaint Mr M complains that The Royal Bank of Scotland Plc (RBS) hasn’t helped him with a fraud claim. What happened Mr M says he made a number of payments to a gambling company based abroad. He says he believed he had won over £80,000 and so spent his money believing he ... (2 pages)View decision -
Decision Reference DRN-4596073
1 Feb 2024 Startline Motor Finance Limited Not upheldConsumer CreditDRN-4596073 The complaint Mr S is complaining about Startline Motor Finance Limited’s decision to lend to him – he says the loan was unaffordable. His complaint was brought to our service by a representative but for ease I’ve written as if we’ve dealt directly with him. What happened In Ju... (4 pages)View decision -
Decision Reference DRN-2609460
24 May 2021 TM Advances Limited Not upheldConsumer CreditDRN-2609460 The complaint Mr T has complained that TM Advances Limited lent him an unaffordable loan. What happened In January 2019, TM agreed to lend Mr T £2,000. The agreement for the loan states that Mr T had to repay the loan in 35 monthly instalments of £189. Mr T hasn’t fully repaid ... (2 pages)View decision -
Decision Reference DRN-3946732
10 Feb 2023 Tesco Personal Finance PLC UpheldConsumer CreditDRN-3946732 Complaint Mr L has complained that Tesco Personal Finance PLC (trading as “Tesco Bank”) provided him with an unaffordable loan. Background Tesco Bank provided Mr L with a loan for £15,000.00 in August 2018. The loan had an APR of 8.4% and the total amount to repay of £15,535.80... (2 pages)View decision -
Decision Reference DRN0773244
7 Feb 2018 Santander UK Plc Not upheldBanking and creditMiss S complains that Santander UK Plc lent her money irresponsibly when it raised her credit card limit. She’s been supported in this complaint by her mother.backgroundMiss S said that Santander increased the credit limit on her credit card account by £2,000 at the... (2 pages)View decision
