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 DRN1474122
9 Jan 2019 DJS (UK) Limited Not upheldBanking and creditMr H complains that DJS (UK) Limited (trading as Piggybank) was irresponsible to lend to him. He wants Piggybank to refund remove the negative entries from his credit file, pay him compensation and write off the outstanding debt. backgroundMr H took out four loans ... (3 pages)View decision -
Decision Reference DRN4189279
19 Oct 2017 Capital One (Europe) plc Not upheldBanking and creditMr A complains that Capital One (Europe) plc won’t refund to him the money that he paid for some trading contracts. His complaint is made against Capital One under section 75 of the Consumer Credit Act 1974 and the chargeback rules. backgroundMr A used his Capital One... (2 pages)View decision -
Decision Reference DRN-2864272
15 Sep 2021 TFS Loans Limited UpheldConsumer CreditDRN-2864272 The complaint Mr C complains TFS Loans Limited didn’t complete reasonable and proportionate checks when accepting him for a loan. What happened Mr C was accepted for a guarantor loan with TFS in May 2015. The loan was for £6,000 over a term of 36 months with a monthly repayment... (4 pages)View decision -
Decision Reference DRN-4170757
19 Jul 2023 Madison CF UK Limited Not upheldConsumer CreditDRN-4170757 The complaint Mr M, through his representative, complains that Madison CF UK Limited, trading as 118118 Money (“Madison”), lent to him irresponsibly. What happened Mr M, through his representative, complains that Madison CF UK Limited, trading as 118118 Money (“Madison”), lent ... (4 pages)View decision -
Decision Reference DRN-3841017
5 Dec 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3841017 The complaint Mr S complains that NewDay Ltd trading as Marbles (“NewDay”) was irresponsible when it increased his credit limit. What happened NewDay opened a credit card account for Mr S in April 2020 with a credit limit of £450. This type of credit was an open-ended or runnin... (4 pages)View decision -
Decision Reference DRN-2315590
11 Nov 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2315590 The complaint Mr H complains that Vanquis Bank Limited increased its lending to him on his credit card account, even though he had no job and a gambling addiction. What happened Mr H took out a credit card account with Vanquis in 2011. He said Vanquis repeatedly raised his cred... (4 pages)View decision -
Decision Reference DRN8352485
8 Nov 2017 MEM Consumer Finance Limited UpheldBanking and creditMiss F complains that MEM Consumer Finance Limited trading as Payday UK was irresponsible to lend her money.background Miss F took out nine loans with Payday UK between July 2012 and October 2013. She says was caught in a spiral of debt.The adjudicator recommended that... (3 pages)View decision -
Decision Reference DRN-4549774
5 Apr 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4549774 The complaint Miss S has complained that Santander UK Plc (Santander) increased her overdraft limit without doing the right affordability checks. She says the increases were unaffordable and has asked for interest and charges incurred on the overdraft from the point her limit w... (3 pages)View decision -
Decision Reference DRN-3914736
9 Feb 2023 Fluro Platform Limited Not upheldConsumer CreditDRN-3914736 The complaint Mr L complains Fluro Platform Limited trading as Lending Works (‘Lending Works’) irresponsibly lent to him. What happened Lending Works approved Mr L for a £5,000 loan in June 2019. The term of the loan was 36 months, with repayments of approximately £170 per mont... (3 pages)View decision -
Decision Reference DRN-4600519
9 Feb 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4600519 The complaint Mr R is complaining about Moneybarn No.1 Limited. He says they shouldn’t have lent to him as the loan was unaffordable. A representative has brought the complaint on Mr R’s behalf but for ease I’ve written as if we’ve dealt directly with Mr R. What happened In Ju... (3 pages)View decision
