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 5125 results
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Decision Reference DRN-5070669
16 Oct 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5070669 The complaint Mr R complains that Vanquis Bank Limited irresponsibly agreed credit for him. What happened Vanquis opened a credit card account for Mr R in February 2019 with a £1,000 credit limit. Mr R didn’t meet his repayments and the account was passed to a third party d... (5 pages)View decision -
Decision Reference DRN5782420
15 Mar 2016 The Royal Bank of Scotland Plc Not upheldBanking and creditMr W complains about the customer service he has received from the Royal Bank of Scotland Plc.backgroundMr W says he phoned RBS to check the balance on his account. But he struggled to understand the person he spoke to. So he asked to speak to someone else. When tha... (2 pages)View decision -
Decision Reference DRN-4795134
30 May 2024 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-4795134 The complaint Mr S is complaining about Sainsbury's Bank Plc because he says it lent irresponsibly by giving him a credit card he couldn’t afford. In particular, he says he was gambling heavily and this meant he had debts with various lenders that he was using to pay off e... (4 pages)View decision -
Decision Reference DRN8455447
2 May 2018 WDFC UK Limited Not upheldBanking and creditMrs K complains that WDFC UK Limited (trading as Wonga.com) didn’t do proper checks before approving her loan applications.backgroundMrs K had two instalment loans from Wonga between May 2017 and August 2017 as follows:LoanDateAmountTermInstalmentRepaidStatus111 May 2017£50... (2 pages)View decision -
Decision Reference DRN-2842804
28 May 2021 Match the Cash Limited UpheldConsumer CreditDRN-2842804 Complaint Mr B has complained that Match the Cash Limited (“Match the Cash”) unfairly brought about an unaffordable guarantor loan for him. He says any checks would have shown that he already had two guarantor loans, missed payments on his existing agreements and multiple defau... (4 pages)View decision -
Decision Reference DRN0283096
22 Nov 2017 Lending Stream Llc UpheldBanking and creditMiss L complains that Lending Stream LLC irresponsibly gave her instalment loans. She wants a refund of the interest she paid.backgroundMiss L had 39 loans from Lending Stream between January 2015 and December 2016. She said her debts got out of control and the lending... (2 pages)View decision -
Decision Reference DRN1923508
5 Feb 2019 Elevate Credit International Limited UpheldBanking and creditMr S complains that Elevate Credit International Limited trading as Sunny.co.uk lent him money that he couldn’t afford to repay.Mr S is represented in his complaint by a claims management company.background Mr S took out five instalment loans with Sunny between March and... (2 pages)View decision -
Decision Reference DRN-3885339
25 Jan 2023 Madison CF UK Limited Not upheldConsumer CreditDRN-3885339 The complaint Miss D complains that Madison CF UK Limited trading as 118 118 Money lent to her when it shouldn’t have. What happened 118 118 Money lent Miss D two loans between January 2020 and April 2021, the details of the loans are as follows: Loan number Start date Loan amo... (2 pages)View decision -
Decision Reference DRN-3898349
15 Jun 2023 Lendable Ltd Not upheldBanking and PaymentsDRN-3898349 The complaint Mr W complains that Lendable Ltd trading as Zable (Zable) irresponsibly issued him with a credit card. What happened Mr W successfully applied for a credit card with Zable in March 2022. He was given a credit limit of £200, which wasn’t raised. He maintained the a... (2 pages)View decision -
Decision Reference DRN-4707989
2 Apr 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4707989 The complaint Mr L complains that Zopa Bank Limited was irresponsible in its lending to him. Mr L is represented by a third party but for ease of reference I have referred to Mr L throughout this decision. What happened Mr L was provided with a £5,000 loan by Zopa in February 2... (2 pages)View decision
