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 365360 results
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Decision Reference DRN-5181590
2 Dec 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5181590 Complaint Mr S complains that Moneybarn No.1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable. Background In October 2016, Moneybarn... (4 pages)View decision -
Decision Reference DRN-5129079
2 Dec 2024 Lendable Ltd Not upheldConsumer CreditDRN-5129079 Complaint Mr D complains that Lendable Ltd (“Lendable”) irresponsibly provided him with an unaffordable loan. Background Lendable provided Mr D with a loan for £7,500.00 in February 2020. This loan was due to be repaid in 47 monthly instalments of £238.14 and a final instal... (3 pages)View decision -
Decision Reference DRN-5138704
2 Dec 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5138704 Complaint Mr I has complained about a credit card Bank of Scotland (trading as “Halifax”) provided to him. He says his financial situation was not considered adequately and this resulted in him being issued with a credit limit increases which he couldn’t afford. Background ... (4 pages)View decision -
Decision Reference DRN-5048638
2 Dec 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5048638 Complaint Mr J has complained about an overdraft that Bank of Scotland Plc (trading as “Halifax”) provided to him. He says the overdraft he was provided with, which was then had its limit increased, was unaffordable for him and he was allowed to continue using even when he ... (3 pages)View decision -
Decision Reference DRN-5048447
2 Dec 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-5048447 Complaint Mr C is unhappy with what TSB Bank plc (“TSB”) has agreed to do to put things right after he complained about his overdraft. Background Mr C has also complained about a credit card that TSB also provided to him. But we’ve explained at that we’re looking at his com... (3 pages)View decision -
Decision Reference DRN-5065477
2 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5065477 Complaint Mrs C has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and the subsequent credit limit increases to her. She says that they were unaffordable and became unmanageable. Background Vanquis initially provided Mrs C with... (4 pages)View decision -
Decision Reference DRN-5153068
2 Dec 2024 JN Bank UK Ltd Not upheldConsumer CreditDRN-5153068 Complaint Miss W has complained about a loan JN Bank UK Ltd (“JN Bank”) provided to her. She says that JN Bank provided her with an unaffordable loan at a time when she was already significantly indebted. Background JN Bank provided Miss W with a loan for £7,500.00 in July... (3 pages)View decision -
Decision Reference DRN-5107977
2 Dec 2024 Plata Finance Limited Not upheldConsumer CreditDRN-5107977 Complaint Mr O has complained about a personal loan which he says Plata Finance Limited (“Plata”) unfairly brought about for him. He says the loan was unaffordable. Background While Mr O may consider that he took further loans with Plata, we’ve already explained why we’ll b... (2 pages)View decision -
Decision Reference DRN-5148697
2 Dec 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5148697 Complaint Ms L complains that Clydesdale Financial Services Limited (trading as Barclays Partner Finance (“Barclays PF”)) unfairly entered into a conditional-sale agreement with her. She’s said the agreement was unaffordable for her. Ms L is being represented by a Claims Ma... (3 pages)View decision -
Decision Reference DRN-5181523
1 Dec 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5181523 The complaint Ms B complains Clydesdale Financial Services Limited trading as Barclays Partner Finance (BPF) irresponsibly entered into a personal contract purchase (PCP) agreement because it didn’t complete appropriate checks to ensure the agreement was affordable for her. ... (7 pages)View decision
