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 4726 results
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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 DRN2464359
26 Mar 2021 Bamboo Limited UpheldBanking and creditMr L complains that Bamboo Limited (trading as Bamboo Loans) was irresponsible to lend to him. background Mr L took out two loans from Bamboo between April 2018 and September 2018 as follows: Loan Date Amount Term Repayment Due Repaid 1 4 Apr 2018 £2,500 24m £172.74 15 Apr 2020 31 Jul 2018... (4 pages)View decision -
Decision Reference DRN-4534174
2 Jan 2024 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4534174 The complaint Mrs L complains that Tesco Personal Finance PLC trading as Tesco Bank irresponsibly gave her a fixed sum loan agreement she couldn’t afford to repay. What happened In June 2019, Mrs L applied for a personal loan with Tesco Bank. She said the loan was needed to pur... (3 pages)View decision -
Decision Reference DRN6231056
11 Dec 2018 George Banco.com Limited Not upheldBanking and creditMiss A complains that George Banco.com Limited irresponsibly lent to her.backgroundIn September 2017 Miss A applied for a guarantor loan with George Banco for £2,000. She discussed her application over the phone and during this call George Banco reviewed her credit file... (2 pages)View decision -
Decision Reference DRN-3206900
24 Jan 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3206900 The complaint Mr D has complained that Santander UK Plc continued charging him excessive amounts for his overdraft when he was in financial difficulty. What happened Mr D complained to Santander about the charges that had been applied to his account from around April 2019 onwar... (3 pages)View decision -
Decision Reference DRN8037662
5 Oct 2017 Madison CF UK Limited Not upheldBanking and creditMr S entered into a 12 month fixed term loan agreement in December 2014 with Madison CF UK Limited (trading as 118 118 Money). He complains that 118 118 lent to him irresponsibly. He wants this loan to be removed from his credit file, and all interest charged to be ... (3 pages)View decision -
Decision Reference DRN-3630773
22 Sep 2022 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-3630773 The complaint Mr H complains that Monzo Bank Ltd has refused to refund payments he says he didn’t authorise. What happened Mr H says he was with some friends, and showed one of them how he used his Monzo account to top up his online gambling account with money from his current ... (2 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 DRN6574591
18 Dec 2019 PayPal Europe Sarl & Cie, SCA Not upheldBanking and creditMrs R is unhappy that PayPal Europe Sarl & Cie, SCA (“PayPal”) won’t refund a series of transactions made using her account.background Mrs R has an account with PayPal. In August and September 2017, a series of gambling payments were made from her account that weren’t authorised by her... (2 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
