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-2795603
4 May 2021 Barclays Bank UK PLC UpheldConsumer CreditDRN-2795603 The complaint Mr M complains Barclays Bank UK PLC lent to him irresponsibly. What happened Mr M took a loan of £5,000 with Barclays in 2017. The loan defaulted in 2018 and a repayment plan was put in place. In 2020 Mr M complained to Barclays. He thought the loan shouldn’t have... (3 pages)View decision -
Decision Reference DRN-4903661
22 Jul 2024 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4903661 The complaint Ms C complains that Clydesdale Bank Plc, trading as Virgin Money, acted irresponsibly in lending her a credit card. What happened Ms C took out a credit card with Virgin Money in September 2021. The credit limit was £2,400. In 2022, Ms C complained to Virgin Mo... (3 pages)View decision -
Decision Reference DRN-3393924
19 Apr 2022 Western Circle Ltd UpheldConsumer CreditDRN-3393924 The complaint Mr B says Western Circle Ltd, trading as Cashfloat, lent to him irresponsibly. What happened Mr B took out four instalment loans from Cashfloat. A summary of his borrowing follows. Mr B says he should never have been given these unaffordable loans. Repaying them h... (4 pages)View decision -
Decision Reference DRN2432102
26 Apr 2018 S.D. Taylor Limited UpheldBanking and creditComplaintMr T complains that S.D. Taylor Limited shouldn’t have given him loans as these were not affordable he wants the loans written off.backgroundMr T took out 23 loans with S.D. Taylor between 2011 and 2017, for between £280 and £1,575.totalling £9,750. He says ... (2 pages)View decision -
Decision Reference DRN-3047407
14 Sep 2021 Carcashpoint Limited UpheldConsumer CreditDRN-3047407 The complaint Mr G complains that Car Cash Point Limited, trading as CarCashPoint, (“CCP”), lent to him in an irresponsible manner. What happened Mr G was given three loans by CCP from June 2016 to November 2017. All the loans have been repaid following Mr G’s car being reposs... (10 pages)View decision -
Decision Reference DRN-3989995
20 Apr 2023 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-3989995 The complaint Mr Y believes Blue Motor Finance Ltd (‘BMF’) acted irresponsibly by agreeing a hire purchase agreement he’d applied for. What happened On 20 February 2018, Mr Y was supplied with a used car through a hire purchase agreement with BMF. He paid a deposit of £350 and ... (4 pages)View decision -
Decision Reference DRN-3013707
7 Feb 2022 TM Advances Limited UpheldConsumer CreditDRN-3013707 The complaint Mr L is unhappy that TM Advances Limited (TMA) didn’t do enough to check that he could afford to repay a number of loans that it granted to him. Mr L is represented, but for ease I will refer only to him throughout. What happened Mr L has applied for and been gran... (7 pages)View decision -
Decision Reference DRN1047212
28 Aug 2019 Elevate Credit International Limited UpheldBanking and creditComplaintMr E complains that Elevate Credit International Limited (trading as Sunny) lent him money that he couldn’t afford to repay.BackgroundMr E took out 17 loans with Sunny between September 2014 and July 2018. Mr E wants Sunny to refund the interest and charges that he paid together w... (4 pages)View decision -
Decision Reference DRN-2957326
1 Sep 2021 Plus500UK Ltd Not upheldInvestmentsDRN-2957326 The complaint Ms K complains about her Contracts for Differences (CFD) trading account with Plus500UK Ltd. What happened Ms K opened her account in February 2018 and traded until she closed it in September 2018. She reopened the account in April 2020 and traded until October 20... (4 pages)View decision -
Decision Reference DRN4842754
18 Jun 2018 Casheuronet UK LLC UpheldBanking and creditMr M complains about the loans he took out with Casheuronet UK LLC trading as Pounds to Pocket. backgroundMr M took out two instalment loans with Pounds to Pocket from November 2013 to August 2015. Loan 1 was refinanced three times. I’ve called these refinanced loa... (4 pages)View decision
