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 4808 results
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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 DRN9363696
22 May 2017 IG Index Limited Not upheldInvestment and pensionsMr F’s complaint is about the administration of his spread betting account with IG Index Limited. IG closed three positions he held in GBP/USD. Mr F is unhappy IG closed his positions causing a large loss. Mr F thinks he had guaranteed stop loss orders which should ... (2 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 DRN-5003133
4 Sep 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-5003133 The complaint Mr A complains that a number of credit cards and loans given to him by National Westminster Bank Plc (NatWest) were unaffordable for him. He argues therefore that they should not have been given to him. What happened Mr A was granted two credit cards by NatWes... (8 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 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 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
