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 4607 results
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Decision Reference DRN7353374
30 May 2018 Novaloans Ltd Not upheldBanking and creditMrs K complains that Novaloans Ltd (trading as Cash4unow) lent her money without checking properly that she could afford to repay it. She says if it had done so it wouldn’t have lent to her, so she wants Cash4unow to compensate her for this.backgroundMrs K took out... (2 pages)View decision -
Decision Reference DRN8844292
22 Oct 2014 National Westminster Bank Plc UpheldBanking and creditMr Y, represented in this case by Ms C, complains that National Westminster Bank Plc (“the bank”) allowed him to continue opening accounts, and taking them into overdraft, when it knew that he had a gambling problem for which he was receiving treatment, and had previously assured him t... (2 pages)View decision -
Decision Reference DRN-5287893
10 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5287893 The complaint Mr T has complained that NewDay Ltd acted irresponsibly when it provided him with two credit cards in 2020 and 2022. Background Mr T applied for a ‘Marbles’ credit card with NewDay in August 2020. His application was approved, and he was provided with a card wi... (3 pages)View decision -
Decision Reference DRN1355315
28 Dec 2018 CURO TRANSATLANTIC LIMITED Not upheldBanking and creditMr M complains that Curo Transatlantic Limited trading as Wage Day Advance (WDA) was irresponsible to lend to him.backgroundMr M took out two loans with WDA. Mr M was due to repay just under £184 on the first loan that he took out in April 2018. Mr M took out th... (2 pages)View decision -
Decision Reference DRN-4665169
12 Mar 2024 Valour Finance Limited UpheldConsumer CreditDRN-4665169 The complaint Mr W complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) should’ve carried out further checks before it granted unaffordable loans to him. What happened A summary of Mr W’s borrowing can be found in the table below. loan number loan amount agre... (6 pages)View decision -
Decision Reference DRN-4535254
11 Mar 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4535254 Complaint Mrs M has complained about an overdraft that TSB Bank plc (“TSB”) provided to her. She says the overdraft she was provided with was unaffordable for her. Background TSB provided Mrs M with an overdraft that had a limit of £500 in November 2020. The credit limit on the... (3 pages)View decision -
Decision Reference DRN5480939
28 Aug 2018 WDFC UK Limited Not upheldBanking and creditMiss T complains that WDFC UK Limited (trading as Wonga) offered her loans without making proper checks. She says the loans weren’t affordable and fuelled her gambling habit. Miss T, who is represented by a claims management company, asks for compensation and a refun... (2 pages)View decision -
Decision Reference DRN9314802
7 Dec 2018 DJS (UK) Limited Not upheldBanking and creditMr T complains that DJS (UK) Limited (trading as Piggybank) was wrong to lend to him. He asks that it refunds interest and charges and removes the loan from his credit file.backgroundMr T took out a loan with Piggybank in November 2013. He says he already had a lo... (2 pages)View decision -
Decision Reference DRN-4774513
1 May 2024 My Finance Club Limited UpheldConsumer CreditDRN-4774513 The complaint Mr M complains that My Finance Club Limited trading as Ondal.co.uk (“MFC”) gave him a loan without carrying out the correct affordability checks. Mr M says that had further checks been carried out MFC would’ve realised Mr M was already in a significant amount of d... (5 pages)View decision -
Decision Reference DRN2509152
7 Aug 2018 Vanquis Bank Limited Not upheldBanking and creditMs M complains that Vanquis Bank Limited gave her a credit card and increased balances which were unaffordable. She says it was irresponsible of Vanquis to do this.backgroundIn June 2011, Ms M applied for and was granted a credit card with Vanquis with an initial lim... (2 pages)View decision
