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 DRN4319514
31 Mar 2015 Nationwide Building Society Not upheldBanking and creditMrs W complains that money has been removed from her Nationwide Building Society savings account and spent without her knowledge.backgroundIn late 2013 through to early 2014, several transfers were made from Mrs W’s Nationwide savings account. The money went to Mrs W’s... (2 pages)View decision -
Decision Reference DRN-5326589
12 Feb 2025 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-5326589 The complaint In summary, Miss W complains that Sainsbury’s Bank Plc, provided her with a credit card and credit limit increase that she wasn’t able to afford. The card was administered at the time of the application by another business on behalf of Sainsbury’s. As Sainsbury... (5 pages)View decision -
Decision Reference DRN-3363870
10 Mar 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3363870 The complaint Mr B has complained that Madison CF UK Limited trading as 118 118 Money was irresponsible in lending to him. What happened 118 118 Money provided Mr B with the following loans: Date taken Total Loan Term Monthly repayment Amount Borrowed Date repaid Loan 1 24/06/1... (4 pages)View decision -
Decision Reference DRN-2425424
13 Jul 2021 TFS Loans Limited UpheldConsumer CreditDRN-2425424 The complaint Mr C says TFS Loans Limited lent to him irresponsibly. What happened Mr C took out two guarantor loans from TFS as summarised below. He used funds from loan 2 to repay loan 1 and I understand there is an outstanding balance on loan 2. Loan date value, £ term, mont... (4 pages)View decision -
Decision Reference DRN1150539
1 Mar 2019 Casheuronet UK LLC UpheldBanking and creditMr G has complained about short-term loans granted to him by CashEuroNet UK LLC trading as “QuickQuid”. Mr G says he couldn’t afford these loans and that QuickQuid didn’t take appropriate steps to check whether he could afford them when he took them out. backgroundQuick... (5 pages)View decision -
Decision Reference DRN-1747601
7 Jul 2020 PDL Finance Limited Not upheldConsumer CreditDRN-1747601 The complaintMr S complains that PDL Finance Limited (trading as Mr Lender) was irresponsible to lend to him. What happenedMr S had two loans from Mr Lender between June and December 2017 as follows:Loan Date AmountTermMax Monthly Repayment Due Repaid 128 Jun 2017£3006m£1061 D... (2 pages)View decision -
Decision Reference DRN0695457
27 Jan 2020 MYJAR Limited UpheldBanking and creditMr S complains that MYJAR Limited was irresponsible to lend to him.backgroundMr S had five 12-month instalment loans from Myjar between May 2017 and April 2018 as follows:Loan Date AmountTermMonthly Repayment DueRepaid 18 May 2017£1,825357d£270.7430 Apr 201825 Aug 201727 Sep 2017£700358d£1... (2 pages)View decision -
Decision Reference DRN5706967
9 Sep 2016 PDL Finance Limited UpheldBanking and creditMr C complains that PDL Finance Limited (trading as Mr Lender) gave him loans he couldn’t afford to repay. He asks that it writes off the debt, corrects his credit file and pays compensation. backgroundMr C took two loans from Mr Lender in November 2012 and January... (2 pages)View decision -
Decision Reference DRN4735879
31 May 2017 Bank of Scotland Plc Not upheldBanking and creditMrs B complains that Bank of Scotland plc (trading as Halifax) will not refund payments she says she did not authorise from her bank account.backgroundThe payments were made with Mrs B’s card. She says that she had allowed her son to use her card and PIN. She trusted ... (2 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
