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 DRN-3430312
3 May 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3430312 Complaint Mr B has complained about an overdraft which was provided to him by Bank of Scotland plc (trading as “Halifax”) on his current account. He’s said that he had a gambling problem which would have been apparent to Halifax had it carried out proportionate checks. And in t... (18 pages)View decision -
Decision Reference DRN-4619819
15 Feb 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-4619819 Complaint Mr D has complained about a loan Loans 2 Go Limited (“L2G”) provided to him. He says the loan was unaffordable and this would have been determined had proportionate checks been carried out. Background L2G provided Mr D with a loan for £1,750.00 in October 2022. The lo... (4 pages)View decision -
Decision Reference DRN3326183
4 Jun 2019 Bamboo Limited Not upheldBanking and creditMr M complains that Bamboo Limited, trading as Bamboo Loans (“Bamboo”) gave him loans he couldn’t afford.backgroundMr M took out a guarantor loan and a personal loan with Bamboo. He says he was in financial difficulties when he applied for the loans, and was relying on ... (4 pages)View decision -
Decision Reference DRN-2442001
17 Dec 2020 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-2442001 The complaint Mr W complains about an overdraft facility given by The Royal Bank of Scotland Plc (RBS) on a personal bank account. Mr W says the overdraft was unaffordable to him so RBS shouldn’t have lent it to him. Mr W is being represented in this complaint by his father, bu... (4 pages)View decision -
Decision Reference DRN-1140325
30 Jun 2020 Monzo Bank Ltd Not upheldBanking and PaymentsThe complaint Ms F complains that Monzo Bank Limited won’t refund payments that have been made from her account which she says she didn’t authorise. What happened Ms F opened her account with Monzo on 5 May 2019. She had an account with an online casino and started making transactions from... (3 pages)View decision -
Decision Reference DRN6143816
30 May 2019 Santander UK Plc UpheldBanking and creditMr M complains that Santander UK Plc lent irresponsibly when it approved an overdraft increase in April 2017 and a loan application in March 2018. background Mr M has a Santander current account with overdraft facility. Mr M has had a number of loans with Santander go... (3 pages)View decision -
Decision Reference DRN6385369
16 Feb 2018 Gain Credit LLC UpheldBanking and creditMr S complains Gain Credit LLC (trading as Lending Stream) lent to him irresponsibly.backgroundMr S took 39 loans with Lending Stream between September 2015 and June 2017, borrowing £11,230 in total. Mr S repaid all of these loans successfully, but at the end of June... (5 pages)View decision -
Decision Reference DRN-5142300
21 Nov 2024 Bank of Scotland Plc UpheldConsumer CreditDRN-5142300 The complaint Mr E has complained, via complaints management company (CMC), that Bank of Scotland plc trading as Halifax acted irresponsibly when it approved him for a £8,200 finance agreement in September 2018. Background Mr E applied for a motor finance agreement with Hali... (3 pages)View decision -
Decision Reference DRN-3185557
23 May 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3185557 The complaint Mr S complains that Bank of Scotland plc (trading as Halifax) won’t refund the money he says he’s lost to a fraudulent company. What’s happened? Mr S made several debit card payments to an online casino, which I’ll refer to as ‘B’. He also received winnings from s... (3 pages)View decision
