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 4726 results
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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 DRN-4533490
2 Apr 2024 Bamboo Limited Not upheldConsumer CreditDRN-4533490 The complaint Mr M, who is represented by a third party, says Bamboo Limited (“Bamboo”) irresponsibly lent to him. What happened This complaint is about three loans that were each taken out by way of fixed sum loan agreements. For the first loan, Bamboo lent £1,000 to Mr M in ... (3 pages)View decision -
Decision Reference DRN-3727431
2 Nov 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3727431 The complaint Mr S complains that Avant Credit of UK, LLC trading as SpringCoin and as AvantCredit, lent to him when it had not carried out thorough credit checks and if it had it would not have lent to him. What happened Using information from AvantCredit here is a brief loan ... (5 pages)View decision -
Decision Reference DRN5193195
8 Jan 2018 Barclays Bank Plc Not upheldBanking and creditMr B complains that Barclays Bank PLC is holding him liable for payments he says he did not make with his debit card.backgroundMr B disputes payments which total £940 made to an online gambling website using his debit card between March and April 2017.The adjudi... (1 page)View decision -
Decision Reference DRN2846507
28 Dec 2018 Virgin Money plc Not upheldBanking and creditMr C says that Virgin Money plc shouldn’t have agreed to give him the credit card he applied for in 2015. He says it was irresponsible for it to do so.backgroundMr C made an online application for a credit card with Virgin in August 2015. He says that at the time o... (2 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-4691418
17 Jun 2024 Lendable Ltd Not upheldConsumer CreditDRN-4691418 The complaint Mr S complains that Lendable Ltd (LL) lent to him irresponsibly. What happened Mr S had two loans from LL; and the first one was repaid by consolidating it with the second loan: Loan/Date Amount Terms Repaid February 2021 £3,145 36 months/ £132 per month March 202... (3 pages)View decision -
Decision Reference DRN-3765618
20 Oct 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3765618 The complaint Mr B complains that Nationwide Building Society (‘Nationwide’) irresponsibly gave him credit that he couldn’t afford. What happened In June 2016 Mr B took out a loan for £13,428.23, a term of 60 months and a monthly premium of £275.86. Mr B also took out a credit ... (3 pages)View decision
