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 4725 results
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Decision Reference DRN2324604
23 Mar 2018 Gain Credit LLC UpheldBanking and creditMr S complains that Gain Credit LLC (trading as Lending Stream) lent him money he couldn’t afford to repay.backgroundMr S took out 20 instalment loans between August 2014 and January 2017. He says Lending Stream shouldn’t have agreed to lend as he was carrying a l... (4 pages)View decision -
Decision Reference DRN-5280693
27 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5280693 Complaint Miss W has complained that Aqua Ltd (trading as “Aqua”) irresponsibly provided a credit card as well and the subsequent credit limit increases to her. She says that they were unaffordable and became unmanageable. Background Aqua provided Miss W with a credit card... (5 pages)View decision -
Decision Reference DRN1337933
16 Feb 2021 Everyday Lending Limited UpheldBanking and creditMr M complains that Everyday Lending Limited irresponsibly lent him a high cost credit loan in September 2015. background Everyday Lending lent Mr M one loan in September 2015. The loan was for £1,000 with a 24-month term. Mr M was due to make monthly repayments of £66.65, the total repaym... (2 pages)View decision -
Decision Reference DRN4081791
11 May 2018 MBNA Limited Not upheldBanking and creditThe estate of Mr M complains MBNA Limited lent irresponsibly to the late Mr M.backgroundThe estate of Mr M said MBNA had increased his credit limit without asking. The late Mr M had a gambling addiction. And MBNA had encouraged him to spend more. His statements wou... (2 pages)View decision -
Decision Reference DRN-4226699
15 Sep 2023 Next Retail Limited Not upheldConsumer CreditDRN-4226699 The complaint Mr M complains that Next Retail Limited irresponsibly provided him with a credit account that he couldn’t afford. What happened In November 2019, Mr M applied online for, and obtained, a Next credit account. The credit limit was set at £600 and no increases to the... (2 pages)View decision -
Decision Reference DRN-4857925
30 Jan 2025 Nationwide Building Society UpheldBanking and PaymentsDRN-4857925 The complaint Mr N says Nationwide Building Society (“Nationwide”) refuses to refund him for transactions on his account he says he didn’t authorise. What happened The facts of this case are well known to both parties, so I won’t repeat them in detail here. In short, Mr N di... (2 pages)View decision -
Decision Reference DRN6274407
24 Aug 2018 Euronetcash, Llc UpheldBanking and creditMr M has complained about an instalment loan he took out with Euronetcash LLC (trading as “Onstride” Financial) in 2015. Amongst other things, he’s said that Onstride gave him his loan without the proper and full checks being made. backgroundMr M took an instalment loa... (2 pages)View decision -
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 DRN-4489859
1 Dec 2023 Yorkshire Building Society Not upheldBanking and PaymentsDRN-4489859 The complaint Mrs H complains about the lack of management and oversight of her bank account with a business owned by Yorkshire Building Society. Mrs H is elderly and is represented by her daughter who has power of attorney. I have just referred to Yorkshire in this decision. W... (5 pages)View decision -
Decision Reference DRN-3747278
27 Oct 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3747278 The complaint Mr P complains that Capital One (Europe) plc (‘Capital One’) irresponsibly gave him a credit card limit increase and a new credit card account that he couldn’t afford. What happened On 17 July 2015, Mr P opened a credit card account with Capital One with a credit ... (4 pages)View decision
