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 4619 results
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Decision Reference DRN7112842
10 Apr 2017 National Westminster Bank Plc Not upheldBanking and creditMr I complains that National Westminster Bank Plc (NatWest) irresponsibly lent money to him in October 2015.background Mr I took out a NatWest loan online for £1500 on 15 October 2015. He then took out a further loan for £1000 on 19 October 2015. He says at the time... (2 pages)View decision -
Decision Reference DRN4389759
30 Jan 2020 Elevate Credit International Limited UpheldBanking and creditMrs K says Elevate Credit International Limited, trading as Sunny, irresponsibly lent to her. backgroundThis complaint is about 9 loans Sunny provided to Mrs K between November 2016 and January 2017. Mrs K’s borrowing history is as follows: LoanDate taken outInstalmentsDate RepaidLoan amou... (3 pages)View decision -
Decision Reference DRN1023935
13 Apr 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr C complains that Curo Transatlantic Limited (trading as Wage Day Advance) gave him loans that he couldn’t afford to repay.backgroundMr C took out a total of nine loans with Wage Day between April 2014 and February 2016. He says he was borrowing from several payday ... (3 pages)View decision -
Decision Reference DRN-4415133
25 Oct 2023 PayPal (Europe) Sarl et Cie SCA Not upheldBanking and PaymentsDRN-4415133 The complaint Mr T complains about his account with PayPal (Europe) Sarl et Cie SCA (“PayPal”). What happened Mr T made 14 payments of £500 over a four-hour period from his bank account to a betting company, via his PayPal account. After losing the money, Mr T didn’t have the f... (3 pages)View decision -
Decision Reference DRN4641438
21 Mar 2018 Barclays Bank Plc Not upheldBanking and creditMr D complained after Barclays Bank Plc trading as Barclaycard removed a promotional interest rate after he missed two monthly minimum repayments. And he says Barclaycard bullied him into paying both minimum payments to be put back on the promotional rate. He also ... (3 pages)View decision -
Decision Reference DRN-5393685
28 Mar 2025 Salary Finance Limited Not upheldConsumer CreditDRN-5393685 The complaint Mr H says Salary Finance Limited irresponsibly lent to him. What happened Mr H took out a loan from Salary Finance on 26 May 2024 for £10,000 over 24 months. The monthly repayment was £541 and the total repayable was £13,028.52. Mr H says the lender’s checks w... (3 pages)View decision -
Decision Reference DRN-4301465
4 Dec 2023 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4301465 The complaint Mr F complains about how Clydesdale Bank Plc trading as Virgin Money dealt with his account following a security block. What happened Mr F says he tried to use his account card in March 2023 for a gambling transaction, but the transaction was declined. He says he ... (3 pages)View decision -
Decision Reference DRN-2480341
30 Jan 2021 Everyday Lending Limited Not upheldConsumer CreditDRN-2480341 The complaint Mrs H believes Everyday Lending Limited, trading as Everyday Loans, acted irresponsibly by agreeing a loan she’d applied for. What happened In December 2011 Mrs H took out a £1,000 loan with Everyday, to be repaid over 11 months with repayments of £168.20 a month.... (3 pages)View decision -
Decision Reference DRN7127166
21 Dec 2020 Everyday Lending Limited Not upheldBanking and creditMr W complains that Everyday Lending Limited (“ELL”) lent to him in an irresponsible manner. background Mr W was given a single loan by ELL in April 2008. He borrowed £750 and agreed to repay the loan in twelve monthly instalments. Mr W does appear to have faced some problems making his re... (3 pages)View decision -
Decision Reference DRN-2792522
16 Jun 2021 PDL Finance Limited UpheldConsumer CreditDRN-2792522 The complaint Mr F complains that PDL Finance Limited (trading as ‘Mr Lender’) lent to him irresponsibly. What happened This complaint is about loans Mr Lender provided to Mr F as follows: Loan Date Taken Date Repaid Instalments Loan Amount Maximum Repayment 1 10/04/2018 15/08/... (5 pages)View decision
