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 DRN0129877
8 May 2018 Avantcredit Of Uk, Llc Not upheldBanking and creditMr M complains that AvantCredit of UK, LLC (Avant) lent irresponsibly and didn’t undertake proper affordability checks.backgroundMr M applied for a loan with Avant for £7, 200 at the end of April 2016. The loan was repayable over 48 months at £301.18 a month. Mr... (2 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 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 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-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 DRN-5035937
2 Oct 2024 Bamboo Limited Not upheldConsumer CreditDRN-5035937 Complaint Mr M has complained about a loan Bamboo Limited (“Bamboo”) provided to him. He says that the loan was not affordable given his existing debts and his gambling. Background Bamboo provided Mr M with a loan for £3,000.00 in March 2022. The total amount to be repaid o... (3 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
