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 4607 results
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Decision Reference DRN-3293542
18 Mar 2022 Zopa Limited UpheldConsumer CreditDRN-3293542 The complaint Mr M complains about Zopa Limited’s (“Zopa”) role in facilitating a finance agreement between him and a third party. What happened I set out what happened leading up to and in the course of Mr M’s complaint in my provisional decision, which I issued earlier this y... (7 pages)View decision -
Decision Reference DRN3810359
8 Jan 2018 WDFC UK Limited UpheldBanking and creditMr C complains that WDFC UK Limited (trading as Wonga) lent money to him he could not afford to repay.backgroundMr C entered into 28 loans with Wonga between 2011 and 2017. At the time of the loans he says he was borrowing from other short term lenders and had a g... (4 pages)View decision -
Decision Reference DRN-3553735
6 Jul 2022 Oakbrook Finance Limited UpheldConsumer CreditDRN-3553735 The complaint Mr A complains that OAKBROOK FINANCE LIMITED trading as Likely Loans lent him money on high cost loans which he couldn’t afford to repay. What happened Likely Loans provided Mr A with the following loans: Date of loan Amount Term Instalment* Date repaid Loan 1 13/... (4 pages)View decision -
Decision Reference DRN-3162148
2 Mar 2022 Nationwide Building Society Not upheldBanking and PaymentsDRN-3162148 The complaint Mr D complains that Nationwide Building Society (Nationwide) unfairly declined to refund £280 of transactions on his account he says he didn’t authorise. What happened On 2 August 2020, Mr D lost his debit card. He still couldn’t find it the next day, so he cancel... (2 pages)View decision -
Decision Reference DRN-3792359
7 Nov 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3792359 The complaint Mr L, who is represented by a third party, complains that Moneybarn No. 1 Limited (“Moneybarn”) irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In January 2018, Mr L acquired a used car financed by a conditional sa... (2 pages)View decision -
Decision Reference DRN9061852
16 Dec 2018 Casheuronet UK LLC UpheldBanking and creditMr S complains, in summary, that CashEuroNet UK LLC, trading as QuickQuid, (“QQ”), gavehim loans that he couldn’t afford to repay.backgroundMr S was given six instalment loans by QQ between April 2017 and February 2018. All the loans except the last loan have been ... (6 pages)View decision -
Decision Reference DRN-4868798
27 Jun 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4868798 The complaint Mr Z complains Lloyds Bank PLC (“Lloyds”) refuses to refund him for transactions on his account he says he didn’t authorise. What happened The facts of this case are well known to both parties, so I won’t repeat them in detail here. In summary, Mr Z says his phone... (3 pages)View decision -
Decision Reference DRN-4892683
18 Jul 2024 Tesco Personal Finance PLC UpheldConsumer CreditDRN-4892683 The complaint Mr B has complained that Tesco Personal Finance PLC trading as Tesco Bank (“Tesco”) gave him a loan without carrying out any checks into his income and expenditure. What happened Tesco gave Mr B a 60-month loan of £25,000 in September 2023. The monthly repayme... (4 pages)View decision -
Decision Reference DRN-3357831
24 May 2022 Lendable Ltd Not upheldConsumer CreditDRN-3357831 The complaint Mr E says Lendable Ltd irresponsibly lent to him. What happened This complaint is about a 36-month instalment loan for £1,550 that Lendable provided to Mr E on 12 March 2021. The monthly repayments were £73.73 and the total repayable was £2,597.45. Mr E says Lenda... (3 pages)View decision -
Decision Reference DRN-3612190
1 Dec 2022 TSB Bank plc Not upheldBanking and PaymentsDRN-3612190 The complaint Mr P complains TSB Bank plc stopped his debit card without sending a text message, as they’d done previously. What happened Mr P holds a current account with TSB. Early in May 2022, he was using his card to fund gambling transactions. He says this is something he ... (3 pages)View decision
