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 19751 results
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Decision Reference DRN3263958
22 Jan 2020 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M complains The Royal Bank of Scotland Plc gave him a large overdraft facility in October 2017 even though he’d previously exceeded his overdraft limit on a number of occasions.backgroundMr M says he’d exceeded his overdraft limits in June, July, August and September 2017 and it should’... (2 pages)View decision -
Decision Reference DRN-3465666
6 May 2022 Barclays Bank UK PLC Not upheldConsumer CreditDRN-3465666 The complaint Mr K complains that Barclays Bank UK PLC made an irresponsible lending decision when it provided him with a loan. And it’s failed to treat him fairly when he’s later found himself in financial difficulties. What happened Mr K took out a personal loan with Barclays... (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-5102521
11 Nov 2024 Plata Finance Limited Not upheldConsumer CreditDRN-5102521 The complaint Mr H says Plata Finance Limited irresponsibly lent to him. What happened Mr H took out a £10,000 loan over 60 months from Plata on 25 March 2024. The monthly repayments were £232.53 and the total repayable was £13,951.62. Mr H says he took out a loan from Pla... (3 pages)View decision -
Decision Reference DRN4044241
3 Oct 2019 TFS Loans Limited UpheldBanking and creditMr B has complained that TFS Loans Limited (“TFS”) irresponsibly provided him with an unaffordable guarantor loan. He says that he shouldn’t have been given the loan due to his situation and the risk that he posed bearing in mind his existing debt and gambling addiction. backgroundTFS prov... (12 pages)View decision -
Decision Reference DRN-4118783
24 May 2023 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4118783 The complaint Miss H, who is represented by a third party, complains that Moneybarn No. 1 Limited (“Moneybarn”) irresponsibly granted her a conditional sale agreement (“agreement”) she couldn’t afford to repay. What happened In September 2017 Miss H acquired a used car financed... (2 pages)View decision -
Decision Reference DRN-4103649
16 May 2023 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4103649 The complaint Ms R, who is represented by a third party, complains that Moneybarn No. 1 Limited (“Moneybarn”) irresponsibly granted her a conditional sale agreement (“agreement”) she couldn’t afford to repay. What happened In February 2019 Ms R acquired a used car financed by a... (2 pages)View decision -
Decision Reference DRN-3583709
25 Jul 2022 Lendable Ltd Not upheldConsumer CreditDRN-3583709 The complaint Mr M complains through his representative that Lendable Ltd lent him money irresponsibly on a high cost loan that he couldn’t afford to repay. What happened Lendable provided Mr M with a loan on 17 February 2020 for £3,300, repayable over 60 months at the rate of ... (3 pages)View decision -
Decision Reference DRN-4751775
4 Jun 2024 Lendable Ltd Not upheldConsumer CreditDRN-4751775 The complaint Ms W complains that Lendable Ltd trading as Autolend was irresponsible to enter into a hire purchase agreement with her and that it failed to treat her fairly and reasonably when she contacted it to say she wanted to return the car and ‘cancel’ the agreement. Ms W... (4 pages)View decision -
Decision Reference DRN7800949
10 Jun 2015 Nextcredit Limited UpheldBanking and creditMr B has complained that Nextcredit Limited granted him a number of loans that were unaffordable and unsuitable.backgroundMr B entered into eight high-cost short-term loans with Nextcredit between December 2012 and October 2013. He feels that these were unaffordable, as ... (2 pages)View decision
