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 19738 results
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Decision Reference DRN-4615912
30 Oct 2024 FirstRand Bank Limited Not upheldConsumer CreditDRN-4615912 The complaint Mrs A complains that FirstRand Bank Limited trading as MotoNovo Finance was irresponsible to have agreed car finance for her in 2014. What happened MotoNovo entered into a hire purchase agreement for a car with Mrs A in March 2014. The price of the car was £16... (3 pages)View decision -
Decision Reference DRN-3465759
7 Sep 2022 Morses Club PLC Not upheldConsumer CreditPage 1 of 5The complaint Mr M has two complaints about Morses Club PLC. The first is that Morses lent to him irresponsibly in September 2021. The second is that when he wanted to reborrow 10 weeks later the policy had been changed (in August 2021) to mean he was not able to ask for more cr... (5 pages)View decision -
Decision Reference DRN-3934051
14 Apr 2023 Novaloans Ltd Not upheldConsumer CreditDRN-3934051 The complaint Mrs B complains that Novaloans Ltd, trading as cash4unow, lent to her when she could not afford it. And afterwards the Novaloans representatives were harassing her with a lot of telephone calls about the debt. What happened Mrs B was approved for two loans with No... (10 pages)View decision -
Decision Reference DRN-4232893
31 Jul 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4232893 The complaint Mr and Mrs W complain that Lloyds Bank PLC (“Lloyds”) acted irresponsibly when it allowed them to increase their overdraft limit from £1,000 to £2,500. They want Lloyds to remove the default applied to their credit files. What happened Mr and Mrs W held an accoun... (3 pages)View decision -
Decision Reference DRN-4672615
26 Mar 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4672615 The complaint Miss M complains that HSBC UK Bank Plc was irresponsible in its lending to her. What happened Miss M says that HSBC gave her a £5,000 overdraft when she graduated even though her monthly income was £1,200. And it also provided her with a credit card with a high cr... (2 pages)View decision -
Decision Reference DRN-3826683
25 Nov 2022 Fluro Platform Limited Not upheldConsumer CreditDRN-3826683 The complaint Mr N complains that Fluro Platform Limited, trading as Lending Works (“Lending Works”) shouldn’t have lent to him because it ought reasonably to have realised that he would struggle to make his repayments. What happened Lending Works approved a loan of £1,000 for ... (2 pages)View decision -
Decision Reference DRN-3819490
9 Dec 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3819490 The complaint The executor representing the estate of Mrs S complains that Barclays Bank UK PLC trading as Barclaycard lent irresponsibly to Mrs S. What happened In 2021, Mrs S passed away and her executor was appointed to her estate. When going through paperwork relating to Mr... (3 pages)View decision -
Decision Reference DRN-3704982
29 Sep 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3704982 The complaint Ms G complains that AvantCredit of UK LLC lent to her when she could not afford it. What happened Ms G’s application to AvantCredit did state that she needed the £6,000 loan in 2016 for debt consolidation. Recently AvantCredit has made submissions on that and I wi... (5 pages)View decision -
Decision Reference DRN-4503912
7 Mar 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4503912 The complaint Miss F complains about the way in which Bank of Scotland plc trading as Halifax handled her DSAR request. What happened In March 2023 Miss F made a DSAR to Halifax as part of her complaint about irresponsible lending. When Miss F received the DSAR it was outside o... (2 pages)View decision -
Decision Reference DRN-4638929
4 Mar 2024 Barclays Bank UK PLC Not upheldConsumer CreditDRN-4638929 The complaint Mr and Mrs H say Barclays Bank UK PLC lent to them irresponsibly. What happened Mr and Mrs H took out a Resolve loan from Barclays on in December 2012. The loan was for £3,500 and the term was 30 months. It was repaid by October 2014. The loan was taken out as Mr ... (2 pages)View decision
