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 5125 results
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Decision Reference DRN-4271368
4 Dec 2023 Stagemount Limited UpheldConsumer CreditDRN-4271368 The complaint Mr B complains that Stagemount Limited trading as Quid Market irresponsibly lent to him. What happened Quid Market lent Mr B two short term instalment loans. The first loan was for £300 lent in June 2022, on this loan, Mr B was due to make six monthly instalment p... (3 pages)View decision -
Decision Reference DRN-3544404
15 Aug 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3544404 The complaint Mr H complains that Nationwide Building Society (‘Nationwide’) lent irresponsibly to him by providing him with a credit card. What happened On or around 9 August 2016, Mr H applied for a credit card with Nationwide. His application was accepted, and Nationwide agr... (3 pages)View decision -
Decision Reference DRN-4812318
30 May 2024 Valour Finance Limited UpheldConsumer CreditDRN-4812318 The complaint Mr P complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) didn’t carry out sufficient affordability checks before it lent to him. What happened Mr P was advanced one loan of £750 on 18 February 2023 and he was due to make 52 weekly payments of £... (4 pages)View decision -
Decision Reference DRN2043096
20 Feb 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs C complain that The Royal Bank of Scotland Plc (“RBS”) wrongly rejected Mrs C’s claim for a refund of payments from their joint account which she says were made by a fraudster. They also complain that RBS closed their joint account earlier than it had sai... (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-5726434
2 Sep 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5726434 The complaint Mrs D complains that Capital One (Europe) Plc (Capital One) acted irresponsibly in granting her a credit card account, as she says it was unaffordable for her. What happened Mrs D took out a credit card with Capital One in February 2022. The initial credit limi... (3 pages)View decision -
Decision Reference DRN-4535254
11 Mar 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4535254 Complaint Mrs M has complained about an overdraft that TSB Bank plc (“TSB”) provided to her. She says the overdraft she was provided with was unaffordable for her. Background TSB provided Mrs M with an overdraft that had a limit of £500 in November 2020. The credit limit on the... (3 pages)View decision -
Decision Reference DRN4018584
17 Mar 2021 Tesco Personal Finance PLC UpheldBanking and creditMr D complains about Tesco Personal Finance PLC’s decision to lend to him. Mr D is represented by his mother, but, to keep things simple, I’ll refer to everything that’s been said on his behalf as if Mr D had said it himself. background I set out the background to Mr D’s complaint in my ea... (9 pages)View decision -
Decision Reference DRN1355315
28 Dec 2018 CURO TRANSATLANTIC LIMITED Not upheldBanking and creditMr M complains that Curo Transatlantic Limited trading as Wage Day Advance (WDA) was irresponsible to lend to him.backgroundMr M took out two loans with WDA. Mr M was due to repay just under £184 on the first loan that he took out in April 2018. Mr M took out th... (2 pages)View decision -
Decision Reference DRN-3140799
16 May 2022 TM Advances Limited Not upheldConsumer CreditDRN-3140799 The complaint Mr H complains that TM Advances Limited lent to him irresponsibly and without carrying out proper affordability checks in April 2015. TM Advances has accepted that and refunded the interest and charges associated with the loan. However, Mr H doesn’t think that’s e... (2 pages)View decision
