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-3819107
22 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3819107 The complaint Mr J complains that NewDay Ltd (“NewDay”) irresponsibly granted him two credit card accounts he couldn’t afford to repay. What happened In March 2017 Mr J entered into an agreement with NewDay to have access to credit by way of a Marbles credit card account. He wa... (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-3472029
10 May 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3472029 The complaint Mr M complains through his representative that AvantCredit of UK, LLC lent him money on a high interest loan which he was unable to afford to repay. What happened AvantCredit provided Mr M with a loan on 20 April 2016, for £7,900, repayable in monthly instalments ... (4 pages)View decision -
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-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 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-4459241
23 Nov 2023 Lloyds Bank PLC Not upheldConsumer CreditDRN-4459241 The complaint Mr A complains that Lloyds Bank PLC (‘Lloyds’) irresponsibly gave a loan that he couldn’t afford. What happened On 13 November 2017, Mr A asked for and was given a loan for £5,000 which had a term of four years. In 2022, Mr A complained to Lloyds to say that the l... (3 pages)View decision -
Decision Reference DRN4566236
15 Jun 2017 Nationwide Building Society Not upheldBanking and creditMr B complains that Nationwide Building Society approved a loan to him irresponsibly and didn’t complete appropriate checks. Ms C complains on behalf of Mr B.backgroundIn September 2016 Mr B took out a personal loan with Nationwide. Ms C, concerned about Mr B’s healt... (3 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
