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 17876 results
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Decision Reference DRN0990315
20 Jun 2018 WDFC UK Limited Not upheldBanking and creditWDFC UK Limited, trading as Wonga, approved one loan after Mr T applied for it in April 2017. Mr T says that it was unaffordable and irresponsible of Wonga to lend to him. Mr T complains that his letters of complaint to Wonga last year have been ignored by it.... (4 pages)View decision -
Decision Reference DRN-4798857
30 May 2024 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4798857 The complaint Miss M complains that Tesco Personal Finance PLC trading as Tesco Bank was irresponsible in its lending to her and didn’t give her the information she needed before providing her with a loan. She wants all interest and charges refunded along with statutory interes... (4 pages)View decision -
Decision Reference DRN3419145
6 Aug 2019 Mobile Money Limited UpheldBanking and creditMr M has complained about a logbook loan which was provided to him by Mobile Money Limited (“Mobile Money”). He says Mobile Money shouldn’t have lent to him as it wasn’t responsible to do so because of the amount of debt he already had.backgroundMr M was provided with a logbook loan of £3,... (12 pages)View decision -
Decision Reference DRN-3046859
16 Sep 2021 Ferratum UK Ltd Not upheldConsumer CreditDRN-3046859 The complaint Mr J complains that Ferratum UK Ltd lent to him irresponsibly. Mr J also complains that Ferratum ought to have asked about his mental health when he applied for the loan in 2017. Mr J says that Ferratum has been uncooperative and threatening legal proceedings rath... (5 pages)View decision -
Decision Reference DRN-2671539
8 Oct 2021 Barclays Bank UK PLC Not upheldConsumer CreditDRN-2671539 The complaint Mr M complains that Barclays Bank UK PLC lent to him when it shouldn’t have. What happened Mr M has complained about irresponsible lending. This complaint relates to seven loans taken out between 2014 and 2018. Mr M says Barclays frequently offered him loans throu... (2 pages)View decision -
Decision Reference DRN-2377072
27 Nov 2020 Oakam Ltd UpheldConsumer CreditDRN-2377072 The complaint Mr W complained to Oakam Ltd (Oakam) that it irresponsibly provided him with a number of loans. Mr W also said, that he didn’t understand why he had an outstanding balance because Oakam had stopped taking payments from his account. What happened Our adjudicator up... (15 pages)View decision -
Decision Reference DRN-4227172
18 Jul 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4227172 The complaint Mr S complains that Bank of Scotland plc trading as Halifax irresponsibly provided him with and increased the credit limit on, three credit cards, for which he was unable to afford the repayments. He further complained that Halifax failed to provide him with infor... (3 pages)View decision -
Decision Reference DRN6354021
2 Apr 2020 The Royal Bank of Scotland Plc Not upheldBanking and creditMr R has complained that The Royal Bank of Scotland Plc (‘the bank’) refused his request for a fixed rate loan to repay his credit card account with the bank. Mr R has also later complained about the circumstances surrounding his full repayment of the credit card account.backgroundMr R has... (3 pages)View decision -
Decision Reference DRN-4427962
31 Oct 2023 HSBC UK Bank Plc Not upheldConsumer CreditDRN-4427962 The complaint Miss A complains that HSBC UK Bank Plc (‘HSBC Bank’) irresponsibly gave her three loans that she couldn’t afford. What happened HSBC Bank provided the following loans to Miss A: Loan 1 started on 1 June 2022 for £15,000 over 60 months and a monthly repayment of £3... (4 pages)View decision -
Decision Reference DRN-4603898
26 Mar 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4603898 The complaint Miss B complains that Vanquis Bank Limited irresponsibly lent to her. What happened Miss B applied for a credit card from Vanquis in February 2019. It gave her a £1,000 credit limit and increased this to £1,750 in June 2021, to £2,500 in July 2022, to £3,500 in No... (3 pages)View decision
