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 4717 results
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Decision Reference DRN-3081384
22 Feb 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3081384 The complaint Mr L complains that Capital One (Europe) plc (“Capital One”) lent to him irresponsibly and didn’t carry out sufficient checks when they opened his credit card account and increased his credit limit. What happened Mr L was accepted for a credit card by Capital One ... (4 pages)View decision -
Decision Reference DRN-2659881
24 Sep 2021 1plus1 Loans Limited UpheldConsumer CreditDRN-2659881 The complaint Mr S has complained that 1Plus1 Loans Limited (“1Plus1” or “the lender”) should not have agreed a guarantor loan for him in June 2019. What happened 1Plus1 agreed a loan of £6,000 for Mr S on the 27 June 2019. The monthly repayment was £228.75 over a term of five ... (4 pages)View decision -
Decision Reference DRN0290311
20 Sep 2017 Active Securities Limited UpheldBanking and creditMs L complains that Active Securities Limited trading as 247 Moneybox lent her money she couldn’t afford to repay.backgroundMs L took out 22 loans with 247 Moneybox between November 2014 and May 2016. She thinks 247 Moneybox was irresponsible to lend her money. Ms L... (3 pages)View decision -
Decision Reference DRN1063079
1 May 2020 Zopa Limited Not upheldBanking and creditMr T complains about the actions of Zopa Limited in respect of a loan he took out in 2014.backgroundMr T took out a loan of £20,360 with Zopa in March 2014 at an APR of 7.5%. It was repayable over 5 years with monthly repayments set in the region of £398. In December 2018 Mr T complained t... (4 pages)View decision -
Decision Reference DRN9277507
5 Sep 2018 Casheuronet UK LLC UpheldBanking and creditMr F says CashEuroNet UK LLC, trading as QuickQuid, lent to him irresponsibly.backgroundQuickQuid approved 11 loans for Mr F, plus 16 ‘top-ups’ (this is where an extra amount is borrowed during the term of the loan) between 19 August 2014 and 3 June 2017.An adjudicator... (4 pages)View decision -
Decision Reference DRN-3210467
13 Dec 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3210467 The complaint Mr B complains that NewDay Ltd trading as Aqua, irresponsibly increased his credit limit. What happened I issued my provisional decision on this case on 25 November 2021. I wanted to give both parties the chance to respond before I came to my final decision. I ha... (4 pages)View decision -
Decision Reference DRN-2946565
31 Jan 2022 Hermes Property Services Limited UpheldConsumer CreditDRN-2946565 Complaint Miss B has complained that Hermes Property Services Limited (“HPS”) provided her with an unaffordable logbook loan. She’s said that she was struggling at the time and the information gathered ought to have alerted HPS to the fact that she wouldn’t be able to make the ... (4 pages)View decision -
Decision Reference DRN3101038
3 Sep 2019 NewDay Ltd UpheldBanking and creditMr W complains that NewDay Ltd (trading as Aqua) was irresponsible when it increased the credit limit on his credit card account. backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 13 August 2019 – a copy of which is attach... (5 pages)View decision -
Decision Reference DRN9041980
29 Sep 2016 Lloyds Bank PLC Not upheldBanking and creditMrs B, on behalf of her son Mr B, says Lloyds Bank PLC irresponsibly lent him money.backgroundMrs B says shed told Lloyds in 2014 and 2015 of her son’s gambling problems. Each time the bank had cancelled his debit card, and overdraft facility, and issued him with ... (2 pages)View decision -
Decision Reference DRN-3638239
5 Jan 2023 Yorkshire Building Society Not upheldBanking and PaymentsDRN-3638239 The complaint Mr H complains that Yorkshire Building Society (“YBS”) did not allow him to open a saving account. What happened When Mr H attempted to open a ‘Make me a saver’ account with YBS and was declined, he raised a complaint. YBS issued a final response in which it expl... (2 pages)View decision
