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 4727 results
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Decision Reference DRN-4185702
13 Jul 2023 Advantage Finance Ltd Not upheldConsumer CreditDRN-4185702 The complaint Mr C complains about the affordability of a hire purchase agreement provided by Advantage Finance Limited (Advantage). What happened In April 2017 Mr C acquired a used car through a hire purchase agreement with Advantage. The agreement ran for 42 months, Mr C was ... (3 pages)View decision -
Decision Reference DRN-2934875
5 Jan 2022 Oplo PL Ltd UpheldConsumer CreditDRN-2934875 The complaint Mr H complains Oplo PL Ltd lent to him irresponsibly. What happened Mr H took out a loan with Oplo, then trading under a different name, for £2000 to be repaid over a period of 36 months. The monthly repayment was £83.16, and the total cost of the borrowing was £2... (3 pages)View decision -
Decision Reference DRN-2390610
6 May 2021 Creation Financial Services Limited UpheldConsumer CreditDRN-2390610 The complaint Mr G complains Creation Financial Services Limited will not refund some disputed transactions. He also complains he was allowed to exceed the cash limit placed on the account. What happened In July 2019, Mr G contacted Creation about some transactions on his acco... (3 pages)View decision -
Decision Reference DRN1337397
18 Oct 2019 HSBC UK Bank Plc UpheldBanking and creditMiss M complains that HSBC UK Bank Plc (“HSBC”) won’t refund disputed transactions thatdebited her current account.backgroundI issued a provisional decision in September 2019 to explain why I thought Miss M’s complaint shouldn’t be upheld. And I said I’d consider anything else anyone wante... (4 pages)View decision -
Decision Reference DRN4219668
15 May 2018 SLL Capital Limited UpheldBanking and creditMiss A complains that SLL Capital Limited was irresponsible to lend her money as it didn’t do enough checks to make sure the repayments were affordable.backgroundMiss A had ten instalment loans from SLL Capital between August 2011 and October 2013 as follows:NoRef Date Loa... (3 pages)View decision -
Decision Reference DRN1980299
16 Aug 2019 Oakam Ltd Not upheldBanking and creditMr A says Oakam Ltd irresponsibly lent to him.backgroundThis complaint is about an instalment loan, for £400, which Oakam provided to Mr A on 1 November 2017. Our adjudicator didn’t uphold Mr A’s complaint as he didn’t think Mr A had been treated unfairly. Mr A disagreed and asked for an o... (2 pages)View decision -
Decision Reference DRN-3661848
22 Aug 2022 Clydesdale Bank Plc Not upheldConsumer CreditDRN-3661848 The complaint Mr C complains that Clydesdale Bank Plc trading as Virgin Money have irresponsibly lent to him. What happened Mr C took out a loan with Virgin Money for £11,500 over 84 months. He says at the time he took out the loan, he had a series of personal loans and payday ... (4 pages)View decision -
Decision Reference DRN3414495
13 Jan 2020 Barclays Bank UK PLC Not upheldBanking and creditMr P complains that Barclays Bank UK PLC (trading as ‘Barclaycard’) acted irresponsibly when it increased his credit limit.backgroundI sent my provisional decision to both parties on 24 December 2019. A copy of this is attached and forms part of this final decision. In it I set out the bac... (4 pages)View decision -
Decision Reference DRN8567597
5 Feb 2020 Nationwide Building Society Not upheldBanking and creditMr N has complained Nationwide Building Society won’t refund account transactions that he didn’t make in September and October 2017.backgroundMr N opened an account with Nationwide in May 2017 (he’d previously had accounts with Nationwide that had been closed). He got a debit card for his ... (5 pages)View decision -
Decision Reference DRN5665713
14 Aug 2017 Casheuronet UK LLC Not upheldBanking and creditMiss F has complained about several loans granted to her by CashEuroNet UK LLC trading as Quick Quid (“Quick Quid”). She’s said Quick Quid encouraged her to borrow more than she could afford, which resulted in her needing to borrow regularly to repay previous loan... (5 pages)View decision
