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 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 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 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 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-3732915
17 Oct 2022 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-3732915 The complaint Mr F complains that Sainsbury's Bank Plc irresponsibly gave him a loan that he couldn’t afford. For simplicity, I will refer to the business throughout as ‘Sainsbury’s’. What happened In November 2020, Mr F applied for a loan with Sainsbury’s. He was given a ... (4 pages)View decision -
Decision Reference DRN-3386904
25 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3386904 The complaint Mr W complains that Everyday Lending Limited lent to him irresponsibly. What happened Mr W took one loan with Everyday Lending. It was approved for him on 22 May 2019 for £3,100 repayable over 36 months at £247.09 each month. The total charge for credit was £5,795... (4 pages)View decision -
Decision Reference DRN4126916
3 Mar 2021 Next Retail Limited UpheldBanking and creditMiss S complains that Next Retail Limited acted irresponsibly in increasing her credit limit on her NextPay account in July 2017. background The background to this complaint was set out in the provisional decision I issued in January 2021. An extract from this is attached and forms part of... (7 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-4542285
23 Feb 2024 Gain Credit LLC UpheldConsumer CreditDRN-4542285 The complaint Mr M complains through a representative that Gain Credit LLC trading as Lending Stream (“Lending Stream”) allowed him to take out loans which he couldn’t afford to repay. What happened A summary of Mr M’s borrowing can be found in the table below. loan number loan... (7 pages)View decision -
Decision Reference DRN3164446
23 May 2017 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited wouldn’t accept a payment to his credit card balance from his spread betting account. He also complains that Vanquis then harassed him about missed credit card payments. backgroundMr S says Vanquis charged him a missed payment... (2 pages)View decision
