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 4630 results
-
Decision Reference DRN-5172961
2 Jan 2025 Zempler Bank Limited Not upheldBanking and PaymentsDRN-5172961 The complaint Mrs K has complained that Zempler Bank Limited trading as Cashplus acted irresponsibly when it provided her with a credit card in June 2023. Background Mrs K applied for a credit card with Cashplus in June 2023. Her application was approved, and she was given a... (3 pages)View decision -
Decision Reference DRN-2808045
23 Feb 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2808045 The complaint Ms M complains that Barclays Bank UK PLC (Barclays) failed to refund transactions she didn’t recognise. What happened On 9 June 2020 Ms M reported disputed transactions on her account from 7 and 8 June 2020. The disputed transactions related to two betting compani... (4 pages)View decision -
Decision Reference DRN-2884288
13 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2884288 The complaint Mr S complains about NewDay Ltd and their decision to approve two separate credit card applications. He’s also unhappy with the credit limit increased applied to one of these accounts. What happened In July 2016, Mr S applied for a credit card with NewDay. I’ll re... (5 pages)View decision -
Decision Reference DRN-4253954
8 Sep 2023 Chetwood Financial Limited Not upheldConsumer CreditDRN-4253954 The complaint Mr W complains that Chetwood Financial Limited, trading as LiveLend, lent to him irresponsibly when it gave him a fixed sum loan agreement which he says he couldn’t afford. What happened Mr W took out a loan agreement with LiveLend for £8,000 in May 2020. He settl... (3 pages)View decision -
Decision Reference DRN-4196892
1 Sep 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4196892 The complaint Mr C complains that FUND OURSELVES LIMITED (“FOL”) lent to him when he could not afford it. He says that if it had carried out proper checks it would have realised that he gambled and so FOL should not have lent to him. What happened Mr C was approved for one loan... (3 pages)View decision -
Decision Reference DRN6439194
29 Sep 2014 Barclays Bank Plc Not upheldBanking and creditMs F complains about the level of bank charges applied by Barclays Bank PLC and that these have resulted in financial hardship.backgroundThe adjudicator did not recommend that Barclays do any more than it had already and which was to pay Ms F £50 for the slow response to her complaint.... (1 page)View decision -
Decision Reference DRN-3423311
7 Apr 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3423311 The complaint Mr B complains about two personals loan provided to him by Loans 2 Go limited, (“L2G”) which he says were unaffordable. What happened L2G provided Mr B with two loans. The details are given below: Number Date taken amount term Monthly repayment Repaid 1 15/10/2020... (4 pages)View decision -
Decision Reference DRN0465765
31 Mar 2017 Casheuronet UK LLC UpheldBanking and creditMr L complains that CashEuroNet UK LLC (trading as Quick Quid) gave him unaffordable payday loans. He wants a refund of the interest he paid, with interest.backgroundMr L had 13 loans from Quick Quid between November 2012 and March 2016. Quick Quid said it’d carried ... (3 pages)View decision -
Decision Reference DRN-4795898
16 May 2024 Oakbrook Finance Limited UpheldConsumer CreditDRN-4795898 The complaint Ms K, through a representative, says Oakbrook Finance Limited lent to her irresponsibly. What happened Ms K took out two loans from Oakbrook Finance. A summary of her borrowing follows, Ms K settled loan 1 early in September 2021: loan taken out value, £ term in m... (3 pages)View decision -
Decision Reference DRN-2763092
22 Jun 2021 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-2763092 The complaint Mr R has complained that Shop Direct Finance Company Limited trading as Very was irresponsible when it increased the credit limit on his catalogue shopping account. What happened Very opened an account for Mr R in September 2014 with a credit limit of £600. This t... (4 pages)View decision
