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-2656865
30 Mar 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2656865 The complaint Miss M complains that Vanquis Bank Limited increased her credit card limit when she couldn’t afford the borrowing. What happened Miss M took out the credit card in April 2014, via an on-line application. The account was opened with a £150 credit limit. In October ... (5 pages)View decision -
Decision Reference DRN-3544404
15 Aug 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3544404 The complaint Mr H complains that Nationwide Building Society (‘Nationwide’) lent irresponsibly to him by providing him with a credit card. What happened On or around 9 August 2016, Mr H applied for a credit card with Nationwide. His application was accepted, and Nationwide agr... (3 pages)View decision -
Decision Reference DRN-4271368
4 Dec 2023 Stagemount Limited UpheldConsumer CreditDRN-4271368 The complaint Mr B complains that Stagemount Limited trading as Quid Market irresponsibly lent to him. What happened Quid Market lent Mr B two short term instalment loans. The first loan was for £300 lent in June 2022, on this loan, Mr B was due to make six monthly instalment p... (3 pages)View decision -
Decision Reference DRN-4366698
5 Jul 2024 IG Index Limited Not upheldInvestmentsDRN-4366698 The complaint Mr P complained about IG Index Limited. He said he had an addiction to forex and indices trading using IG’s spread betting service. He said IG didn’t check if he had a gambling addiction and for this reason, didn’t treat him fairly. Mr P said IG should have done m... (4 pages)View decision -
Decision Reference DRN-1975051
15 Sep 2020 Mobile Money Limited UpheldConsumer CreditDRN-1975051The complaintMiss K has complained that Mobile Money Limited irresponsibly provided her with an unaffordable loan. What happenedMiss K was given a logbook loan by Mobile Money in April 2018 for £4,000. The loan was secured against a vehicle that she owned. Miss K’s loan was to b... (4 pages)View decision -
Decision Reference DRN-4812318
30 May 2024 Valour Finance Limited UpheldConsumer CreditDRN-4812318 The complaint Mr P complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) didn’t carry out sufficient affordability checks before it lent to him. What happened Mr P was advanced one loan of £750 on 18 February 2023 and he was due to make 52 weekly payments of £... (4 pages)View decision -
Decision Reference DRN-2704138
22 Mar 2021 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-2704138 The complaint Mr B complains that Monzo bank plc won’t refund disputed transactions made on his account totalling £7,500. What happened On the 6 January and 7 January 2020 disputed transactions totalling £7.500 were carried out using Mr B’s Monzo debit card. In total there were... (3 pages)View decision -
Decision Reference DRN-2764621
28 Apr 2021 PDL Finance Limited UpheldConsumer CreditDRN-2764621 The complaint Mr R complains that PDL Finance Limited trading as Mr Lender was irresponsible in its lending to him. What happened Mr R was provided with four loans by Mr Lender between October 2014 and August 2016. The details are set out below. Loan Amount Instalments Date Rep... (4 pages)View decision -
Decision Reference DRN-4170879
5 Jul 2023 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-4170879 The complaint Miss R complains that BMW Financial Services(GB) Limited (“BMWFS”) irresponsibly approved a hire purchase agreement with her that she couldn’t afford. What happened In July 2020 Miss R acquired a new car using a hire purchase agreement from BMWFS. The agreement re... (4 pages)View decision -
Decision Reference DRN8853874
10 Oct 2017 Casheuronet UK LLC UpheldBanking and creditMr K complains that CashEuroNet UK LLC (trading as Quick Quid) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file. Mr K is represented by a claims management company... (3 pages)View decision
