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 71000 results
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Decision Reference DRN-3845967
7 Dec 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3845967 The complaint Mrs M complains that Everyday Lending Limited trading as Everyday Loans was irresponsible in its lending to her. What happened Mrs M was provided with three loans by Everyday Loans between 2017 and 2020. She says at the time she had other borrowings showing her de... (3 pages)View decision -
Decision Reference DRN-4971450
2 Sep 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4971450 The complaint Mr H complains that Zopa Bank Limited was irresponsible in its lending to him. What happened Mr H was provided with a £15,000 loan by Zopa in March 2023. He was then provided with a credit card with a large limit in July 2023. He said that his credit file would... (3 pages)View decision -
Decision Reference DRN-2115619
28 Oct 2020 BW Legal Services Limited Not upheldConsumer CreditDRN-2115619 The complaint Mr P is unhappy that BW Legal Services Limited pursued him for debts that weren’t his. He says he was the victim of identity theft and it’s unfair for BW Legal to hold him responsible for loans he didn’t take out. Mr P also complains about BW Legal’s verification ... (3 pages)View decision -
Decision Reference DRN4990786
24 Oct 2018 Lloyds Bank PLC Not upheldBanking and creditMr G complains that Lloyds Bank plc illegally cashed his life assurance policy to settle his outstanding debt. backgroundMr G had a sole trader business account with Lloyds Bank. He and his wife provided security to Lloyds Bank in relation to his borrowing on that ac... (2 pages)View decision -
Decision Reference DRN-4414608
13 Nov 2023 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4414608 The complaint Mr P complains that Tesco Personal Finance PLC trading as Tesco Bank (‘Tesco Bank’) irresponsibly gave a loan that he couldn’t afford. What happened In July 2016 Mr P asked for and was given a loan for £6,000 which had a term of five years. The purpose of the loan... (3 pages)View decision -
Decision Reference DRN3068739
19 Nov 2015 CitiFinancial Europe Plc UpheldBanking and creditMr and Mrs D complain that CitiFinancial Europe Plc (“CitiFinancial”) should not have offset a payment protection insurance (“PPI”) refund against their loan arrears. They also complain that CitiFinancial has been very slow to give them information they have asked for... (2 pages)View decision -
Decision Reference DRN3599261
9 Feb 2021 Everyday Lending Limited UpheldBanking and creditMiss D has complained that Everyday Lending Limited (EDL) lent to her irresponsibly. background Miss D was given a loan of £6,000 by EDL in June 2018. The loan was due to be repaid in 48 monthly instalments of about £320. The total amount payable, including interest was just over £15,373. ... (4 pages)View decision -
Decision Reference DRN2180257
12 Feb 2016 The Co-operative Bank Plc Not upheldBanking and creditP, a limited company, complains that The Co-operative Bank p.l.c. (Co-op) has treated it unfairly and was intent on destroying the company.backgroundP had an overdraft and loan facility with Co-op for a number of years. In early 2014 these fell due for review. C... (2 pages)View decision -
Decision Reference DRN9875824
21 Dec 2015 Sterling Financial Security Ltd UpheldBanking and creditMr and Mrs R complain about the way that Sterling Financial Security Ltd trading as Best Solution managed their debts. backgroundIn around November 2007, Mr and Mrs R entered into a debt management plan (DMP) with Best Solution. They agreed to pay an initial set up fe... (2 pages)View decision -
Decision Reference DRN-2961166
4 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2961166 The complaint Mr H complained that NewDay Ltd trading as Marbles lent him money that he couldn’t afford to repay. He wanted NewDay to refund all his payments, with 8% interest, and clear his credit file. What happened Mr H complained to NewDay that the lending it made to him wa... (2 pages)View decision
