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-3609993
4 Aug 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3609993 The complaint Mr and Mrs M complain that HSBC UK Bank Plc (“HSBC”) acted unfairly by refusing to remove the default of their account from their credit records. They believe the default on their account was the direct result of irresponsible lending of other loans held with it. ... (3 pages)View decision -
Decision Reference DRN-3210801
21 Feb 2022 Chetwood Financial Limited Not upheldConsumer CreditDRN-3210801 The complaint Mr K has complained that Chetwell Financial Limited (Trading at the time as “Live Lend”) provided him with an unaffordable loan. What happened Live Lend provided Mr K with a personal loan of £1,000.00 in November 2018. This loan had a 24-month term with a monthly ... (3 pages)View decision -
Decision Reference DRN8612321
1 Nov 2018 MYJAR Limited UpheldBanking and creditMr K has complained about a series of payday loans he took out with MYJAR Limited (trading as “MYJAR”).He’s said MYJAR lent to him irresponsibly as it provided him with a number of loans over a period of almost five years. He’s also said that he had several other... (19 pages)View decision -
Decision Reference DRN5469205
22 Oct 2019 1st Stop Personal Loans Limited UpheldBanking and creditMr U has complained that 1st Stop Personal Loans Limited (“1st Stop” or “the lender”) should not have agreed a guarantor loan for him in September 2013. Mr U says the loan was unaffordable for him and that 1st Stop would have understood this had it carried out sufficient checks before agre... (11 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 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 DRN6557961
26 Mar 2020 National Westminster Bank Plc UpheldBanking and creditComplaintMr W has complained about the overdraft facility on his National Westminster Bank Plc (“NatWest”) Select Platinum (initially Advantage Gold) packaged bank account. In essence, he’s unhappy with the charges applied to his overdraft and believes they’ve exacerbated his financial dif... (13 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 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 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
