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 4717 results
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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 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 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 DRN6363847
14 Mar 2018 Nationwide Building Society Not upheldBanking and creditMr D complains that Nationwide Building Society made a transfer for him in the wrong currency. backgroundMr D said that he went into Nationwide to transfer some money overseas. He said he told the cashier that he wanted to make the payment in US dollars. The account ... (3 pages)View decision -
Decision Reference DRN9667218
27 Feb 2018 Paysafe Financial Services Limited UpheldBanking and creditMr W has complained Paysafe Financial Services Limited, trading as Neteller, haven’t paid what he believes is owed under a promotional cashback offer. backgroundMr W got an offer from Neteller about an end-of-year promotion. If he made transactions over a certain value, he ... (2 pages)View decision -
Decision Reference DRN-4532193
21 Feb 2024 Chetwood Financial Limited UpheldConsumer CreditDRN-4532193 The complaint Mr W says Chetwood Financial Limited, trading as BetterBorrow, irresponsibly lent to him. What happened Mr W took out a 24-month instalment loan for £2,500 on 24 June 2022. The monthly repayments were £123.92 and the total repayable was £2,974.14. Mr W says he was... (3 pages)View decision -
Decision Reference DRN4326089
28 Feb 2020 PDL Finance Limited UpheldBanking and creditMrs M says PDL Finance Limited, trading as Mr Lender, irresponsibly lent to her.backgroundThis complaint is about four loans Mr Lender provided to Mrs M between May 2014 and October 2015. Mrs M’s borrowing history is as follows: LoanDate taken outLoan TypeDate Repaid Loan amount Highest In... (3 pages)View decision -
Decision Reference DRN-5130869
25 Nov 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-5130869 The complaint Mr T says Zopa Bank Limited irresponsibly lent to him. What happened Mr T took out a 24-month loan for £2,500 in September 2024. The monthly repayments were £243.21 and the total repayable was £2,918.55. Mr T says Zopa’s checks were inadequate: a thorough unde... (3 pages)View decision -
Decision Reference DRN4832047
22 Mar 2018 Western Circle Limited Not upheldBanking and creditMr H complains that Western Circle Ltd (trading as Cashfloat) lent him money even though it couldn’t have been sure he could repay it.backgroundMr H borrowed £400 from Cashfloat on 29 January 2017. It was due to be repaid in two instalments of just under £273 each. ... (2 pages)View decision -
Decision Reference DRN3877280
29 Jan 2019 National Westminster Bank Plc Not upheldBanking and creditMr M complains that National Westminster Bank Plc (NatWest) lent to him irresponsibly by allowing him to extend his overdraft and take out loans despite having debt with other lenders. Mr M would like a full refund of interest and charges plus statutory interest.bac... (2 pages)View decision
