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 4607 results
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Decision Reference DRN-1704817
8 Apr 2020 TSB Bank plc Not upheldBanking and PaymentsDRN-1704817The complaintMr C complains TSB Bank plc treated him unfairly when it considered his application for an overdraft and when it took the decision to close his account. What happenedMr C opened a current account with TSB in late 2019. He made an appointment to discuss getting an ov... (2 pages)View decision -
Decision Reference DRN2310385
12 Sep 2014 Hitachi Capital (UK) Plc UpheldBanking and creditMr V complains about a loan provided to him by Hitachi Capital (UK) PLC, trading as Hitachi Capital Consumer Finance (“HCCF”). He said that the loan was unaffordable, and that HCCF had failed to undertake a responsible assessment of his creditworthiness. He would like the loan written ... (3 pages)View decision -
Decision Reference DRN5283838
3 Mar 2018 Casheuronet UK LLC UpheldBanking and creditMr T complains that CashEuroNet UK LLC (trading as QuickQuid) gave him loans that he couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision that I issued in January 2018. An extract from that is attached and forms pa... (5 pages)View decision -
Decision Reference DRN-4806519
20 May 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4806519 The complaint Mr R complains Moneybarn No.1 Limited (Moneybarn) irresponsibly entered into a conditional sale agreement because it didn’t carry out reasonable and proportionate checks to ensure the agreement was affordable for him. What happened Mr R entered into the agreement ... (4 pages)View decision -
Decision Reference DRN-2301430
23 Nov 2020 Greenlight Credit Ltd UpheldConsumer CreditDRN-2301430 The complaint Miss K complains that Greenlight Credit Ltd (trading as Varooma) lent to her in an irresponsible manner. What happened I issued a provisional decision relating to this complaint in August 2020. In that decision I explained why I thought most of Miss K's compl... (3 pages)View decision -
Decision Reference DRN9220687
11 Mar 2018 Gain Credit LLC UpheldBanking and creditMr S complains that Gain Credit LLC (trading as Lending Stream) 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.background Mr S took out nine loans between August... (3 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 DRN7485251
30 Jan 2015 MBNA Limited Not upheldBanking and creditMrs T complains MBNA Limited has applied fees to her credit card without first telling her.backgroundMrs T has a credit card with MBNA. In March and April 2014, she used her card to place several bets. MBNA treated these as cash withdrawals and charged a £5 fee for each transaction. Mr... (2 pages)View decision -
Decision Reference DRN0883923
21 Apr 2017 Ulster Bank Ltd Not upheldBanking and creditMr R’s complaint is that Ulster Bank Ltd (“Ulster Bank”) caused him a large financial loss due to its’ processes.backgroundMr R was expecting a large bonus from his employer, of nearly £88,000, which was due to be paid into his Ulster Bank account by BACS on Monday ... (5 pages)View decision
