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 4630 results
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Decision Reference DRN-3410242
1 Apr 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3410242 The complaint Mr W complains Nationwide Building Society acted unfairly when it defaulted his accounts. What happened Mr W had two current accounts with Nationwide – a Flex account and a FlexDirect account. He says he’d been the victim of various phishing scams and there were t... (9 pages)View decision -
Decision Reference DRN-5359456
3 Mar 2025 Startline Motor Finance Limited Not upheldConsumer CreditDRN-5359456 Complaint Mr M complains that Startline Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said he shouldn’t have been lent to given his previous credit history. Background In September 2017, SMF provided Mr M with finance for a us... (3 pages)View decision -
Decision Reference DRN2984314
5 Sep 2018 PDL Finance Limited Not upheldBanking and creditMr W complains that PDL Finance Limited, trading as Mr Lender, was irresponsible to give him loans at a time when his debts were mounting up due to a gambling addiction.backgroundMr W borrowed three times from Mr Lender between February 2014 and November 2016, as fol... (2 pages)View decision -
Decision Reference DRN-5273558
27 Jan 2025 Stellantis Financial Services UK Limited Not upheldConsumer CreditDRN-5273558 Complaint Mr D complains that Stellantis Financial Services UK Limited (trading as “Vauxhall Finance”) unfairly entered into a conditional sale agreement with him. The finance was provided under the GMAC trading name and so for the sake of clarity, I’ve referred to GMAC thr... (4 pages)View decision -
Decision Reference DRN-5090987
4 Nov 2024 FirstRand Bank Limited Not upheldConsumer CreditDRN-5090987 Complaint Mr H complains that FirstRand Bank Limited (trading as “MotoNovo” Finance) unfairly entered into a hire-purchase agreement with him. He’s said the payments to his agreement were unaffordable. Background In October 2015, MotoNovo provided Mr H with finance for a us... (4 pages)View decision -
Decision Reference DRN3164446
23 May 2017 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited wouldn’t accept a payment to his credit card balance from his spread betting account. He also complains that Vanquis then harassed him about missed credit card payments. backgroundMr S says Vanquis charged him a missed payment... (2 pages)View decision -
Decision Reference DRN5897446
6 Dec 2018 Cash On Go Limited UpheldBanking and creditMr C complains that Cash on Go Limited, trading as Peachy.co.uk, (“Peachy”) gave him aloan that he couldn’t afford to repay.backgroundMr C initially took an instalment loan of £100 from Peachy on 19 April 2018 repayable by fivemonthly instalments. Later that day, he too... (5 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 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 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
