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 18463 results
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Decision Reference DRN-3309392
18 Feb 2022 Indigo Michael Limited Not upheldConsumer CreditDRN-3309392 The complaint Miss H has complained that Indigo Michael Limited trading as SafetyNet Credit (SNC) provided a credit facility she couldn’t afford to repay. Miss H is also unhappy with the communication and information she was given by SNC during the time when it was investigatin... (5 pages)View decision -
Decision Reference DRN-3803726
28 Nov 2022 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3803726 The complaint Ms F says The Royal Bank of Scotland Plc (RBS) irresponsibly lent to her. What happened Ms F applied for a credit card in February 2011. She was given a £6,300 credit limit. Ms F says she shouldn’t have been given this card, and her limit should never have been in... (3 pages)View decision -
Decision Reference DRN-3664661
12 Sep 2022 Valour Finance Limited Not upheldConsumer CreditDRN-3664661 The complaint Mr C complained about several aspects relating to the lending by Valour Finance Limited trading as Savvy.co.uk. He complains that it lent to him irresponsibly. Mr C also complains that Savvy wrongly accused him of credit fraud. And Mr C complains that Savvy mis-ma... (6 pages)View decision -
Decision Reference DRN-2722890
30 Mar 2021 Bamboo Limited Not upheldConsumer CreditDRN-2722890 Complaint Mr R has complained about a guarantor loan Bamboo Limited (“Bamboo”) provided to him. He says Bamboo didn’t check his bank statements which would have shown the loan wasn’t affordable. Background to the complaint and my provisional decision of 19 March 2021 One of our... (3 pages)View decision -
Decision Reference DRN-2845148
22 Oct 2021 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2845148 The complaint Mr W says Provident Personal Credit Limited, trading as Satsuma Loans (Satsuma), didn’t inform him that his outstanding loan had been recovered from a third-party collection organisation. And that Satsuma would now correspond with him about the outstanding amounts... (3 pages)View decision -
Decision Reference DRN-3587403
28 Sep 2022 NewDay Ltd UpheldConsumer CreditDRN-3587403 The complaint Miss K says NewDay Ltd irresponsibly lent to her. She has requested that not only should the interest and late payment charges she paid on the accounts be refunded but she also thinks the debt should be written off. What happened This complaint is about two accoun... (3 pages)View decision -
Decision Reference DRN-3519700
8 Jun 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3519700 The complaint Mr N says that National Westminster Bank Plc (“NatWest”) lent to him irresponsibly and took advantage by applying extremely high interest and overdraft charges. What happened One of our adjudicators looked into Mr N’s concerns and didn’t think NatWest had done any... (4 pages)View decision -
Decision Reference DRN3987030
4 Sep 2018 WDFC UK Limited UpheldBanking and creditMr G has complained about a series of payday loans he took out with WDFC UK Limited (trading as “Wonga”.com). He’s said Wonga didn’t adequately take his financial circumstances into account and as a result continued to give him high interest loans despite it being ob... (25 pages)View decision -
Decision Reference DRN-4015807
20 Mar 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4015807 The complaint Mr E says Tesco Personal Finance PLC, trading as Tesco Bank, irresponsibly lent to him. What happened Mr E had a Tesco Bank credit card and was given three credit limit increases - £2,000 in April 2017; £2,000 in April 2018 and £3,000 in June 2019. Mr E says the l... (3 pages)View decision -
Decision Reference DRN7271726
5 Aug 2019 Ascent Performance Group Limited Not upheldBanking and creditMr H complains that Ascent Performance Group Limited (“Ascent”) mis-handled their collection of a debt from him. backgroundAscent took responsibility for collecting a debt from Mr H in 2014. The debt had originally been incurred with a company I’ll call “S”. Mr H says that at the time he w... (3 pages)View decision
