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 DRN-3754405
7 Nov 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-3754405 The complaint Mr W complains through his representative that Loans 2 Go Limited irresponsibly lent him money on high cost loans that he couldn’t afford to repay. What happened Loans 2 Go provided Mr W with the following loans: Date of loan Amount Repayment period Monthly instal... (3 pages)View decision -
Decision Reference DRN-3359870
22 Jun 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3359870 The complaint Mr G complains that Capital One (Europe) plc (‘Capital One’) irresponsibly gave him a credit card account that he couldn’t afford. What happened On 29 July 2015, Mr G applied for and was given a credit card account with Capital One with a credit limit of £200. The... (2 pages)View decision -
Decision Reference DRN-4414112
25 Mar 2024 Topaz Finance Limited Not upheldMortgagesDRN-4414112 The complaint Mr R and Mrs R complain that Topaz Finance Limited trading as Heliodor Mortgages: Should not have approved additional mortgage borrowing for debt consolidation. Had not administered the interest rate on the mortgage fairly – and had overcharged them. Should ext... (4 pages)View decision -
Decision Reference DRN-1715396
21 Jul 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-1715396 The complaintMr M’s complaint about NewDay Ltd trading as Aqua (NewDay) relates to Irresponsible lending and increases in his credit limit. What happenedOur investigator’s background summary covered all the relevant facts and issues, and is known to both Mr M and NewDay, so th... (3 pages)View decision -
Decision Reference DRN-4307644
6 Nov 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4307644 Complaint Mr D has complained about loans Mitsubishi HC Capital UK Plc trading as Novuna Personal Finance provided to him under its “Hitachi” brand. For ease of reference I’ll refer to the respondent as Hitachi in this final decision. He says Hitachi failed to conduct proportio... (4 pages)View decision -
Decision Reference DRN-4333659
13 Oct 2023 Nationwide Building Society UpheldConsumer CreditDRN-4333659 The complaint Ms D complains Nationwide Building Society irresponsibly provided her with two unaffordable personal loans. Ms D is represented on her complaint, but for ease I’ll refer to all submissions as though they are her own. What happened Nationwide provided Ms D with the... (4 pages)View decision -
Decision Reference DRN-3805440
9 Jan 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3805440 The complaint Mr H says Barclays Bank UK PLC trading as Barclaycard (‘Barclaycard’) irresponsibly lent to him. What happened This complaint is about two credit card accounts Barclaycard provided. The accounts were opened in June 2004 and January 2010. On one card the last incre... (3 pages)View decision -
Decision Reference DRN-4755320
19 Aug 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4755320 The complaint Mr T complains that Bank of Scotland plc, trading as Halifax put a default on his credit report for a debt he disputes and wasn’t aware of, and this has affected his ability to obtain credit. What happened When Mr T checked his credit report he noticed a defau... (3 pages)View decision -
Decision Reference DRN-4511804
15 Dec 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4511804 The complaint Mr D complains about information recorded on his credit file by Vanquis Bank Limited after he raised a dispute. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: Mr D has a credit card with V... (3 pages)View decision -
Decision Reference DRN9408494
21 Feb 2014 Carcashpoint Limited Not upheldBanking and creditMr G complains that Carcashpoint Limited misrepresented the terms of his loan agreement, and the loan was unaffordable.backgroundMr G said that CarCashPoint did not ask for any proof of income when he applied for a loan, and this was irresponsible lending. He also said he was not provi... (2 pages)View decision
