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 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 DRN-4569335
6 Feb 2024 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4569335 The complaint Mr M complains FUND OURSELVES Limited trading as Fund Ourselves (“Fund Ourselves”) gave him loans he couldn’t afford due to him having several other large loans outstanding at the time. What happened A summary of Mr M’s borrowing can be found below loan number loa... (4 pages)View decision -
Decision Reference DRN6203293
8 Mar 2017 Casheuronet UK LLC UpheldBanking and creditMr C has complained about two payday loans and one flex account he took out with CashEuroNet UK LLC (trading as Quick Quid) between February 2012 and April 2014. He says that the Quick Quid loans weren’t affordable and so it shouldn’t have lent to him. backgroundAlt... (4 pages)View decision -
Decision Reference DRN-2869515
24 Aug 2021 Madison CF UK Limited Not upheldConsumer CreditDRN-2869515 The complaint Miss H is unhappy that Madison CF UK Limited trading as 118 118 Money agreed to a loan she’d applied for as she said it was unaffordable for her. What happened In August 2019, Miss H took out a £2,000 loan with 118 118, to be repaid over 24 months with repayments ... (4 pages)View decision -
Decision Reference DRN-3254330
27 Apr 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3254330 The complaint Ms W complained that Everyday Lending Limited trading as Everyday Loans acted irresponsibly when it gave her an unaffordable loan. What happened Ms W took out a single loan with Everyday Loans as follows: Date taken Amount Term Monthly repayment Total amount repay... (3 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-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 DRN-2901359
27 Jul 2021 TransferWise Ltd Not upheldBanking and PaymentsDRN-2901359 The complaint Mr B has complained TransferWise Ltd won’t refund him for multiple transactions he says he didn’t make. What happened On 8 January 2020, Mr B submitted disputes for 39 gambling transactions between 14 November 2019 and 3 January 2020. Mr B says a similar event occ... (4 pages)View decision -
Decision Reference DRN7489925
3 Jul 2013 Santander UK Plc UpheldBanking and creditMr G complains that Santander UK Plc lent to him irresponsibly, because it gave him an overdraft facility without carrying out proper checks when he had a gambling addiction. He also complains about the bank’s handling of the complaint and the interest and charges that were added to the ... (3 pages)View decision
