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
-
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-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 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 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 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 DRN0571193
15 Mar 2019 Gain Credit LLC UpheldBanking and creditMr B says complains that Gain Credit LLC, trading as Lending Stream (“Lending Stream”) lent to him irresponsibly. backgroundI attach my provisional decision dated 20 February 2019, which forms part of this final decision and should be read in conjunction with it. In m... (11 pages)View decision -
Decision Reference DRN-3746366
3 Feb 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3746366 The complaint Mr R complains about Barclays Bank UK PLC (“Barclays”) following his accounts balances being used up and his accounts closed. He wants Barclays to explain what happened. What happened Mr R held a current account with Barclays. Around the end of 2018, Mr R came int... (2 pages)View decision -
Decision Reference DRN7774201
19 Sep 2017 Western Circle Limited Not upheldBanking and creditMr E complains that Western Circle Ltd (trading as Cashfloat) gave him loans that he couldn’t afford to repay.backgroundMr E was given ten loans by Cashfloat between February 2015 and August 2016. All of the loans were repayable by two or three equal monthly instalmen... (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 DRN6011357
26 Sep 2013 National Westminster Bank Plc Not upheldBanking and creditMr G says National Westminster Bank Plc is wrong to hold him responsible for transactions with a betting company debited to his account. backgroundThe transactions were made via the account Mr G had set up with the betting company, which he had previously used for undisputed transactions.... (2 pages)View decision
