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 19711 results
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Decision Reference DRN-3827502
9 Dec 2022 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3827502 The complaint Miss S says Tesco Personal Finance PLC irresponsibly lent to her. What happened Miss S opened a credit card with Tesco on 4 April 2017. She was given a £3,800 credit limit. This was increased in 2019 and 2021 but Miss S did not use any of this additional credit, h... (2 pages)View decision -
Decision Reference DRN3343157
26 Apr 2019 Loans 2 Go Limited UpheldBanking and creditMr J has complained about five logbook loans provided which were provided to him by Loans 2 Go Limited (“L2G”). He says it was irresponsible for L2G to give him these loans as his credit file would’ve shown defaults, missed and late payments and several payday loa... (19 pages)View decision -
Decision Reference DRN2384153
29 May 2020 arvato Financial Solutions Limited Not upheldBanking and creditMr H complains Arvato Financial Solutions Limited (AFS) have treated him unfairly. He says it hasn’t properly communicated with all parties and as a result his credit file has been adversely affected. backgroundOn 27 August 2013, Mr H took out a loan with a third party provider. On 16 Octo... (3 pages)View decision -
Decision Reference DRN-4718862
28 Jun 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4718862 The complaint Mr C complains that Barclays Bank UK PLC, trading as Barclaycard (‘Barclaycard’), irresponsibly granted him a credit card he couldn’t afford to repay. What happened In or around January 2021 Mr C entered into an agreement with Barclaycard to have access to credit ... (3 pages)View decision -
Decision Reference DRN-5009007
23 Sep 2024 Loans 2 Go Limited Not upheldConsumer CreditDRN-5009007 The complaint Miss M complains about issues with her loan account, including that Loans 2 Go Limited hasn’t sent account statements to her and that the amount outstanding doesn’t reflect her loan repayments. What happened Miss M entered into a fixed sum loan agreement with L... (4 pages)View decision -
Decision Reference DRN3573633
23 Jan 2019 Madison CF UK Limited Not upheldBanking and creditMrs R complains that Madison CF UK Limited (trading as 118118Money) irresponsibly lent her money. backgroundIn December 2014 Mrs R took out a £1,500 loan with Madison repayable over 24 months. She got into financial difficulty and couldn’t pay it back as planned. She s... (2 pages)View decision -
Decision Reference DRN7768274
27 Jun 2013 Marsh Finance Ltd UpheldBanking and creditMr K complains about a hire purchase agreement he took out to buy a car. He is unhappy Marsh Finance Ltd did not accept his request to voluntary terminate the agreement when he said he could not afford the monthly repayments. He also believes the hire purchase agreement was not afforda... (3 pages)View decision -
Decision Reference DRN-4522384
22 Apr 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4522384 The complaint Mr E complains that Zopa Bank Limited (“Zopa”) irresponsibly granted him two credit cards he couldn’t afford to repay. What happened In February 2022 Mr E entered into an agreement with Zopa to have access to credit by way of a credit card account. He was given a ... (2 pages)View decision -
Decision Reference DRN-4940497
16 Aug 2024 Lloyds Bank PLC Not upheldConsumer CreditDRN-4940497 The complaint Mrs W, represented by a family member Mr N, complains that Lloyds Bank PLC was irresponsible in its lending to her. What happened Mrs W was provided with a £20,000 loan by Lloyds in July 2023. Mr N says that Mrs W had become mentally ill around April/May 2023, ... (3 pages)View decision -
Decision Reference DRN-4651457
17 Apr 2024 Loans 2 Go Limited Not upheldConsumer CreditDRN-4651457 The complaint Miss R complains that Loans 2 Go Limited lent to her irresponsibly in May 2023. Miss R says that she’s been charged too much interest and wants a refund. What happened Miss R applied for a loan for £1,500 on 2 May 2023 and it was approved. It was a high interest l... (5 pages)View decision
