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 63 results
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Decision Reference DRN7501906
3 Jul 2014 Lloyds Bank PLC Not upheldBanking and creditThe G family complain about Lloyds Bank PLC’s handling of banking facilities provided to them for a former business.backgroundFor some years, Mr G junior ran a small business, “Y”. His parents say they assisted their son from time to time such as they were able, both financially and with... (4 pages)View decision -
Decision Reference DRN-5299326
10 Feb 2025 Shawbrook Bank Limited UpheldConsumer CreditDRN-5299326 The complaint Mr E and Miss R complain that Shawbrook Bank Limited (the “Lender”) failed to accept its liability for the mis-selling of timeshares it had financed the purchase of in November 2016 and August 2017. They also complain the Lender irresponsibly granted them loans... (16 pages)View decision -
Decision Reference DRN9044311
11 Jun 2014 Lloyds Bank PLC Not upheldBanking and creditMs D complains that Lloyds Bank plc (formerly Lloyds TSB Bank plc) lent to her irresponsibly. She says that she suffers mental health issues and that Lloyds took advantage of her vulnerability and persuaded her to take on unaffordable debt.backgroundMs D complains that the bank persuaded ... (3 pages)View decision -
Decision Reference DRN0042633
22 Nov 2013 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs B complain that Lloyds Bank plc (previously Lloyds TSB Bank plc) was irresponsible when it offered them a loan. They ask that Lloyds agrees to accept a reasonable amount in settlement of their debt.backgroundMr and Mrs B say from 2001 onwards, Lloyds offered them increasing amo... (2 pages)View decision -
Decision Reference DRN8009864
28 Mar 2014 Lloyds Bank PLC Not upheldBanking and creditMr C says Lloyds Bank PLC (formerly Lloyds TSB Bank plc) mis-sold a loan to him.backgroundIn 2008 Mr C took out a loan for £7,800 with an interest rate of 7.66%. Mr C’s monthly payments were approximately £197 over a 60-month period. In 2011 Mr C took out a loan for £7,500 with an intere... (3 pages)View decision -
Decision Reference DRN-2518391
2 Feb 2021 Amigo Loans Ltd UpheldConsumer CreditDRN-2518391 The Complaint Miss S has complained that Amigo Loans Ltd (“Amigo”) provided her with two unaffordable guarantor loans. She says that, if Amigo had carried out the right checks before providing her with the loans, it would have found that the loans were unaffordable for her. Bac... (28 pages)View decision -
Decision Reference DRN-4795882
14 May 2024 TSB Bank plc Not upheldConsumer CreditDRN-4795882 The complaint Mr C complains that TSB Bank Plc (TSB) lent to him irresponsibly. He says TSB didn’t do enough to check he could afford to repay the lending sustainably. Mr C says the loan was unaffordable. What happened Mr C took out a loan for £16,000 with TSB in March 2021. Th... (3 pages)View decision -
Decision Reference DRN-3178758
21 Jan 2022 TSB Bank plc UpheldConsumer CreditDRN-3178758 Complaint Mrs W has complained that TSB Bank plc (“TSB”) lent to her irresponsibly as it provided her with an unaffordable loan. Background TSB provided Mrs W with a loan of £3,000.00 in March 2017. This loan had an APR of 18.9% and a 48-month term. This all meant the total amo... (4 pages)View decision -
Decision Reference DRN-3835645
1 Feb 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3835645 The complaint Miss H complains that Lloyds Bank PLC charged her fees and overdraft interest when it ought not to have. Miss H also says that she is entitled to compensation from Lloyds for distress and inconvenience which spanned three decades. Miss H used to be represented by ... (9 pages)View decision -
Decision Reference DRN-3081845
18 Oct 2021 TSB Bank plc UpheldBanking and PaymentsDRN-3081845 The complaint Mr H has complained that TSB Bank plc (“TSB”) acted irresponsibly by agreeing to increase his overdraft limit. He says TSB failed to carry out proper checks and that it failed in its duty of care to him. He’s unhappy with what TSB has agreed to do to put things ri... (2 pages)View decision
