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 18371 results
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Decision Reference DRN5031455
21 Oct 2014 NRAM plc Not upheldBanking and creditMr B, on behalf of his parents, Mrs and the late Mr T (under two powers of attorney dated April and June 2013 respectively), complains that NRAM plc provided irresponsible lending to them.backgroundIn 1992 Mrs and the late Mr T (then aged 60 and 62 respectively), took out a repayment ... (2 pages)View decision -
Decision Reference DRN2083940
19 Jun 2017 Santander UK Plc Not upheldBanking and creditMr R complains Santander UK Plc acted irresponsibly when it allowed him to take two loans and allowed him steadily to increase his overdraft when he already had several pay day loans, a gambling addiction and other debts. backgroundMr R had a gambling addiction and dur... (2 pages)View decision -
Decision Reference DRN3232287
27 Jun 2018 PDL Finance Limited Not upheldBanking and creditMr L complains that PDL Finance Limited (PDL) lent money to him but its decision was irresponsible. And the third party’s method of recovering the money owed has been ‘unfair and unsuitable’.background PDL approved one loan to Mr L for £450 on 4 June 2013. The ... (3 pages)View decision -
Decision Reference DRN-4675100
17 Jun 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4675100 The complaint Mrs H complains that Barclays Bank UK PLC trading as Barclaycard acted unfairly by failing to set up a payment plan for a credit card account she held with it when she was experiencing financial difficulties. What happened Mrs H has held a credit card account with... (3 pages)View decision -
Decision Reference DRN7415605
27 Mar 2020 Provident Personal Credit Limited UpheldBanking and creditMs C complains that Provident Personal Credit Limited was irresponsible when it provided her with 18 loans between June 2006 and December 2014.backgroundThe 18 loans Provident provided to Ms C were home-collected loans. This meant that a Provident agent engaged with Ms C at her home during... (6 pages)View decision -
Decision Reference DRN-3590512
12 Jul 2022 Oplo PL Ltd UpheldConsumer CreditDRN-3590512 The complaint Miss S complains that Oplo PL Ltd lent her money on a high cost loan irresponsibly, such that she couldn’t afford to repay it. What happened Oplo provided Miss S with a loan of £3,000 on 28 January 2015 repayable at the rate of around £127 a month over a period of... (3 pages)View decision -
Decision Reference DRN-4829343
31 Jul 2024 Next Retail Limited Not upheldConsumer CreditDRN-4829343 The complaint Miss C complains about the amount Next Retail Limited (“Next”) refunded to her as part of an irresponsible lending complaint. What happened In July 2020 Miss C entered into a Debt Arrangement Scheme (DAS) and a Debt Payment Programme (DPP) was agreed. Under the... (2 pages)View decision -
Decision Reference DRN6144580
30 Jul 2013 Barclays Bank Plc Not upheldBanking and creditMr B complains that Barclays Bank PLC trading as Barclaycard (“Barclaycard”) was irresponsible in allowing him to exceed his credit limit.background Mr B had drunk alcohol and had taken prescription medication when he used his credit card on an online gambling website one evening. The ... (2 pages)View decision -
Decision Reference DRN5121693
17 Jul 2017 J D Williams & Company Limited UpheldBanking and creditMr S complains that J D Williams & Company Limited, trading as Fashion World, lent to him irresponsibly.backgroundMr S applied for an account with Fashion World in March 2014 and an account was opened for him with a credit limit of £125. The limit was increased to... (3 pages)View decision -
Decision Reference DRN0882219
26 Mar 2020 Provident Personal Credit Limited UpheldBanking and creditMrs N complains that Provident Personal Credit Limited lent to her irresponsibly.Mrs N is represented by a member of her family. backgroundUsing information provided by Provident, Mrs N’s approved loans are summarised here. I have removed reference to pence. Accurate details of each loan a... (5 pages)View decision
