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 4727 results
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Decision Reference DRN-3707403
16 Sep 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3707403 The complaint Mr H complains about two loans provided to him by Everyday Lending Limited, trading as Everyday Loans, (“ELL”), which he says were unaffordable. The complaint is brought to this service on Mr H’s behalf by a claims’ management company. But for ease, I shall refer ... (5 pages)View decision -
Decision Reference DRN-3366774
11 Mar 2022 Logbook Money Limited UpheldConsumer CreditDRN-3366774 The complaint Miss G has complained that Logbook Money Limited (“LML” or “the lender”) was irresponsible to have agreed credit for her. What happened LML provided Miss G with two loans: her first was for £1,000 taken out on 17 October 2017 and her second was for £1,442 on 11 Fe... (5 pages)View decision -
Decision Reference DRN-2961396
28 Oct 2021 Advanced Payment Solutions Limited Not upheldBanking and PaymentsDRN-2961396 The complaint Mr S complains that Advanced Payment Solutions Limited (trading as Cashplus) won’t refund him for transactions he says he didn’t make or authorise. What happened Mr S legitimately uses a gambling website I’ll refer to as S and he has no complaint about transaction... (3 pages)View decision -
Decision Reference DRN0883923
21 Apr 2017 Ulster Bank Ltd Not upheldBanking and creditMr R’s complaint is that Ulster Bank Ltd (“Ulster Bank”) caused him a large financial loss due to its’ processes.backgroundMr R was expecting a large bonus from his employer, of nearly £88,000, which was due to be paid into his Ulster Bank account by BACS on Monday ... (5 pages)View decision -
Decision Reference DRN-3137630
2 Nov 2021 TFS Loans Limited UpheldConsumer CreditDRN-3137630 The complaint Mr H complains that TFS Loans Limited lent to him in an irresponsible manner. What happened I issued a provisional decision on this complaint in September 2021. In that decision I explained why I thought most of the complaint should be upheld. Both parties have re... (4 pages)View decision -
Decision Reference DRN-5433018
27 Mar 2025 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-5433018 The complaint Mr M complains that Clydesdale Bank Plc trading as Virgin Money lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in a pr... (4 pages)View decision -
Decision Reference DRN9154166
7 Jun 2019 Barclays Bank UK PLC Not upheldBanking and creditMr S complains that Barclays Bank UK PLC didn’t make it clear that he would be charged for making transactions with his credit card. To put things right, he wants them to refund these charges and provide compensation for the trouble and upset caused.backgroundMr S t... (3 pages)View decision -
Decision Reference DRN-5556460
22 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5556460 The complaint Ms N complains Vanquis Bank Limited (“Vanquis”) irresponsibly lent her a credit card, and increased her limit. She also complains she didn’t receive a default notice. What happened In February 2019 Ms N applied for a credit card with Vanquis. The application w... (3 pages)View decision -
Decision Reference DRN1859655
4 Sep 2017 Uncle Buck Finance LLP Not upheldBanking and creditMr M complains that Uncle Buck Finance LLP gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file.background Mr M took out eight loans with Uncle Buck between December ... (3 pages)View decision -
Decision Reference DRN-4670088
27 Jun 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4670088 The complaint Mr S complains Barclays Bank UK PLC won’t refund transactions on his account which he says he didn’t authorise and unfairly loaded a CIFAS marker against him. What happened Mr S opened an account with Barclays on 25 May 2023. Mr S contacted Barclays regarding tran... (4 pages)View decision
