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 4726 results
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Decision Reference DRN-2830768
22 Apr 2022 Bamboo Limited UpheldConsumer CreditDRN-2830768 The complaint Mrs M complains Bamboo Limited irresponsibly lent to her as she says it didn’t complete reasonable and proportionate checks when approving her for a loan. What happened In November 2016 Bamboo approved Mrs M for a guarantor loan. The loan was for £2,000 over a ter... (4 pages)View decision -
Decision Reference DRN0720918
24 Aug 2018 Casheuronet UK LLC UpheldBanking and creditMr H complains that CashEuroNet UK LLC, trading as QuickQuid, (“QQ”), gave him loans that he couldn’t afford to repay.backgroundMr H borrowed 16 loans and seven top up loans from QQ between January 2014 and October 2017. All the loans have been repaid. A summary of th... (7 pages)View decision -
Decision Reference DRN4943067
11 Jan 2018 Lending Stream Llc UpheldBanking and creditMr A complains that Lending Stream LLC wrongly lent him money he couldn’t afford to pay back.backgroundMr A took out four instalment loans with Lending Stream between October and November 2013. He said that the business didn’t carry out proper affordability checks and allo... (3 pages)View decision -
Decision Reference DRN6618182
1 Aug 2017 Creation Financial Services Limited Not upheldBanking and creditMr D complains that Creation Financial Services Limited made mistakes in dealing with payments from his account, provided poor customer service and wrongly applied charges.backgroundThe adjudicator did not recommend that CFSL do any more than it had already offered to. S... (3 pages)View decision -
Decision Reference DRN-4688114
18 Mar 2024 Lloyds Bank PLC UpheldConsumer CreditDRN-4688114 The complaint Mr I complains that Lloyds Bank PLC irresponsibly lent to him. What happened I issued a provisional decision where I set out a detailed background to this complaint, so I won’t repeat the background here. My provisional decision forms part of this final decision a... (3 pages)View decision -
Decision Reference DRN1057310
3 May 2018 WDFC UK Limited UpheldBanking and creditMr K complains that WDFC UK Limited (trading as Wonga) gave him loans that he couldn’t afford and trapped him into a spiral of debt.backgroundMr K took out a total of 12 loans with Wonga between May 2016 and June 2017. The amounts he borrowed varied.Mr K says that ... (3 pages)View decision -
Decision Reference DRN-5273847
15 Feb 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5273847 The complaint Miss F complains Nationwide Building Society (NBS) acted irresponsible when they agreed to her opening a credit card account, and subsequent credit limit increases. What happened In November 2022 Miss F applied for a credit card account with NBS. Her applicatio... (3 pages)View decision -
Decision Reference DRN7005678
18 Feb 2020 Bank of Scotland Plc UpheldBanking and creditMr L complains Bank of Scotland plc trading as Halifax (“Halifax”) were irresponsible when they approved multiple applications for an increase in his arranged overdraft.backgroundMr L brought his complaint to us as he was unhappy with the responses he received from Halifax in relation to h... (3 pages)View decision -
Decision Reference DRN-4745963
25 Apr 2024 Madison CF UK Limited UpheldConsumer CreditDRN-4745963 The complaint Miss N has complained that Madison CF UK Limited trading as 118 118 Money (“Madison”) didn’t carry out sufficient affordability checks before it lent to her. What happened Miss N was granted one loan for £2,500 on 20 June 2020. Miss N was due to make 24 monthly r... (4 pages)View decision -
Decision Reference DRN-3323748
25 Mar 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3323748 The complaint Ms B complains HSBC UK Bank Plc won’t reimburse money she lost when she fell victim to a scam. What happened Ms B was looking online for an investment opportunity after receiving money from a house sale and came across BinaryOnline. She was contacted by a Customer... (4 pages)View decision
