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 5125 results
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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-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 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 DRN-2253109
6 Nov 2020 Loans 2 Go Limited UpheldConsumer CreditDRN-2253109 The complaint Mr M has complained that Loans 2 Go Limited lent to him irresponsibly and that it has treated him unfairly in other ways. What happened Mr M was given a loan by Loans2Go in September 2018 for £500. The loan was due to be repaid in weekly instalments, which meant h... (4 pages)View decision -
Decision Reference DRN-5274022
13 Feb 2025 National Westminster Bank Plc UpheldConsumer CreditDRN-5274022 The complaint This complaint is brought on behalf of the estate of Mr B. Mrs B is acting as the deceased’s representative for the purposes of this complaint. She complains that National Westminster Bank Plc (‘NatWest’) irresponsibly agreed to lend to Mr B by way of two perso... (4 pages)View decision -
Decision Reference DRN-2963083
14 Jul 2022 Spreadex Limited Not upheldInvestmentsDRN-2963083 The complaint Mr P, through his representative Mr P1, complains that Spreadex Limited: Didn’t follow the correct procedure when onboarding Mr P. Failed to meet their service obligations and regulatory requirements. Failed to act with due skill and care. What happened Mr P op... (4 pages)View decision -
Decision Reference DRN-3747278
27 Oct 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3747278 The complaint Mr P complains that Capital One (Europe) plc (‘Capital One’) irresponsibly gave him a credit card limit increase and a new credit card account that he couldn’t afford. What happened On 17 July 2015, Mr P opened a credit card account with Capital One with a credit ... (4 pages)View decision -
Decision Reference DRN7969369
11 Sep 2018 The Car Finance Company (2007) Ltd UpheldBanking and creditMr W complains that The Car Finance Company (2007) Ltd (“TCFC”) approved lending to him when he couldn’t afford it. backgroundMr W entered into a hire purchase agreement with TCFC for a second hand car in October 2016. The agreement was for 36 months with repayments ... (3 pages)View decision -
Decision Reference DRN-2896764
27 Sep 2021 Sporting Index Limited Not upheldInvestmentsDRN-2896764 The complaint Mr V complains that Sporting Index Limited allowed him to open a spreadbetting account with a credit facility which he wasn’t told about. As a result, he now owes a debt – when he thought the most he could lose was his deposit. What happened In March 2020 Mr V ope... (4 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
