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 4619 results
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Decision Reference DRN-3272500
28 Feb 2022 Nationwide Building Society Not upheldBanking and PaymentsDRN-3272500 The complaint Mr C complains that Nationwide Building Society failed to refund transactions he didn’t recognise. What happened Mr C transferred a large sum of money into his Nationwide account after he’d won the money using an online betting merchant I’ll refer to as M. The fun... (4 pages)View decision -
Decision Reference DRN9961077
9 Nov 2016 Express Finance (Bromley) Limited Not upheldBanking and creditMr C complained that Express Finance (Bromley) Limited (trading as Payday Express) gave him loans that he couldn’t afford to repay.background The background to this complaint was set out in the provisional decision I issued last month. An extract from this is attached ... (4 pages)View decision -
Decision Reference DRN-4730874
1 May 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4730874 The complaint Mr C has complained that Bank of Scotland plc trading as Halifax acted irresponsibly when it allowed him to continue using his overdraft when it had become unaffordable for him. Background Mr C held a current account with Halifax which had an overdraft facility on... (4 pages)View decision -
Decision Reference DRN8704716
28 Mar 2018 DJS (UK) Limited Not upheldBanking and creditMr H complains that DJS (UK) Limited (trading as Piggybank) was irresponsible to lend to him. He wants Piggybank to write off his outstanding debt.backgroundMr H took out two loans with Piggybank in late 2016. One in November 2016 for £300 and the second in Decem... (2 pages)View decision -
Decision Reference DRN2350101
17 Jul 2017 Lending Stream Llc UpheldBanking and creditMiss D complains that Lending Stream LLC wrongly lent her money she couldn’t afford to pay back.backgroundMiss D took out twenty six short term loans with Lending Stream between July 2015 and November 2016. She said that the business didn’t carry out proper affordabili... (3 pages)View decision -
Decision Reference DRN6313606
2 Aug 2019 Casheuronet UK LLC UpheldBanking and creditMr H says CashEuroNet UK LLC, trading as QuickQuid, lent to him irresponsibly.backgroundMr H had 15 payday loans and one ‘FlexCredit’ loan facility from QuickQuid between March 2010 and September 2014. His complaint is about the loans he took out from May 2012 (loan 11) onwards – which inc... (3 pages)View decision -
Decision Reference DRN-2175255
13 Nov 2020 Evergreen Finance London Limited UpheldConsumer CreditDRN-2175255 The complaint Mr T says Evergreen Finance London Limited, trading as MoneyBoat.co.uk, irresponsibly lent to him. What happened This complaint is about three loans MoneyBoat provided to Mr T between August 2016 to May 2018. A summary of Mr T’s borrowing history is as follows: Lo... (3 pages)View decision -
Decision Reference DRN2821387
17 Jul 2017 Active Securities Limited UpheldBanking and creditMr J complains that Active Securities Limited trading as 24/7 Moneybox wrongly lent him money he couldn’t afford to pay back.backgroundMr J took out a number of short term loans with Moneybox but he has explained that his complaint only relates to the 26 loans take... (3 pages)View decision -
Decision Reference DRN-3770300
7 Dec 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3770300 The complaint Mr L has complained that Nationwide Building Society irresponsibly lent to him. What happened Mr L opened a credit card account with Nationwide in January 2019. The initial credit limit was £5,400. Mr L eventually defaulted on his credit card. Mr L says that Natio... (3 pages)View decision -
Decision Reference DRN-4673493
22 Mar 2024 Admiral Markets UK Ltd Not upheldInvestmentsDRN-4673493 The complaint Mr S complains that Admiral Markets UK Ltd failed to act in his best interests when it provided a Contract for Difference (CFD) trading facility to him. His representative says Mr S has a gambling addiction and the provision of an account by Admiral led to him inc... (4 pages)View decision
