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 DRN6940313
10 Jun 2014 Lloyds Bank PLC Not upheldBanking and creditMr R’s complaint has been brought by his wife Mrs R. Mrs R complains Lloyds Bank PLC irresponsibly provided Mr R with three loans.background The three loans were taken out between 2003 and 2012. The 2003 loan was paid in full in 2008 without any concerns. The second loan in 2010 was taken... (2 pages)View decision -
Decision Reference DRN-3830358
7 Jan 2023 HSBC UK Bank Plc Not upheldConsumer CreditDRN-3830358 The complaint Miss B complains that HSBC UK Bank Plc lent irresponsibly. What happened Miss B applied for a loan for £5000 in April 2017 and a further loan for £2000 in August 2017. HSBC approved the application. Miss B complained that HSBC had lent irresponsibly. She said that... (2 pages)View decision -
Decision Reference DRN9495627
6 Aug 2019 Mobile Money Limited UpheldBanking and creditMr E has complained about seven logbook loans which were provided to him by Mobile Money Limited (“Mobile Money”). He says these loans were unfairly expensive and he had difficulty paying them back.backgroundMr E was provided with an initial loan of £450 in July 2012. The loan had a 12 mon... (18 pages)View decision -
Decision Reference DRN-3618927
23 Aug 2022 Next Retail Limited Not upheldConsumer CreditDRN-3618927 The complaint Ms M complains that Next Retail Limited (“Next”) irresponsibly gave her a shopping credit account facility that she couldn’t afford. What happened Ms M has complained about unaffordable lending on a shopping credit account she took out with Next in February 2021. ... (2 pages)View decision -
Decision Reference DRN-3759999
2 Nov 2022 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-3759999 The complaint Mr C complains that Blue Motor Finance Ltd irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In January 2016, Mr C acquired a used car financed by a hire purchase agreement from Blue Motor Finance. Mr C was required to ... (2 pages)View decision -
Decision Reference DRN-3691180
20 Sep 2022 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3691180 The complaint Mr P complains that Moneybarn No. 1 Limited irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In June 2020, Mr P acquired a used car financed by a conditional sale agreement from Moneybarn. Mr P was required to make ... (2 pages)View decision -
Decision Reference DRN-2956669
12 Nov 2021 Oakam Ltd Not upheldConsumer CreditDRN-2956669 The complaint Miss R complains that Oakam Ltd wouldn’t lend to her. She said Oakam had lent to her previously and these loans were repaid. Miss R says she applied for more lending but Oakam didn’t approve this lending. She says this is despite her financial situation improving.... (2 pages)View decision -
Decision Reference DRN-3908582
24 Feb 2023 Zopa Bank Limited Not upheldBanking and PaymentsDRN-3908582 The complaint Mr M complains that Zopa Limited (“Zopa”) irresponsibly granted him a credit card he couldn’t afford to repay. What happened In December 2021 Mr M entered into an agreement with Zopa to have access to credit by way of a credit card account. He was given a credit l... (2 pages)View decision -
Decision Reference DRN4014475
3 Sep 2018 WDFC UK Limited UpheldBanking and creditMr S has complained about a series of payday loans he took out with WDFC UK Limited (trading as “Wonga”.com).He’s said Wonga failed to correctly identify that he’d become dependent on payday loans and had become stuck in a cycle of borrowing to repay previous loans. ... (40 pages)View decision -
Decision Reference DRN-4329445
21 Nov 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4329445 The complaint Miss M has complained that Bank of Scotland plc, trading as Halifax, irresponsibly lent to her. What happened Miss M opened a credit card account with Halifax on 22 July 2019. The credit limit was £4,000 and was never increased. Miss M says that Halifax shouldn’t... (2 pages)View decision
