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 5125 results
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Decision Reference DRN-1522587
8 Apr 2020 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-1522587The complaintMr C complains HSBC UK Bank plc didn’t give him an overdraft despite promising to do so and then closed his account unfairly. He also complains about HSBC’s customer service. What happenedIn April 2019 Mr C applied to HSBC for a current account as another business w... (2 pages)View decision -
Decision Reference DRN8361979
22 Jun 2017 Euronetcash, Llc Not upheldBanking and creditMr D complains that EuroNetCash LLC, trading as On Stride Financial, irresponsibly lent him money without properly carrying out checks of whether he could afford to repay it.backgroundIn December 2016 Mr D borrowed £4,000 from On Stride Financial over a term of three ... (2 pages)View decision -
Decision Reference DRN-4494584
12 Jan 2024 Everyday Lending Limited Not upheldConsumer CreditDRN-4494584 The complaint Mr M complains that Everyday Lending Limited trading as Everyday Loans irresponsibly gave him a loan that he couldn’t afford. For simplicity I will refer to the business as ‘Everyday’ during this decision. Mr M is represented in this complaint. For simplicity I wi... (3 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 -
Decision Reference DRN8108807
15 Mar 2018 Barclays Bank Plc Not upheldBanking and creditMr H complains about interest and charges on his credit card with Barclays Bank Plc (trading as Barclaycard). He thinks they should have done more to assist him because he was in financial difficulty.backgroundIn 1993, Mr H opened a Barclaycard account. Mr H unfortunately ... (3 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-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 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 DRN5077734
1 Feb 2018 Euronetcash, Llc Not upheldBanking and creditMr S complains that EuroNetCash LLC (trading as On Stride Financial) gave him a loan that he couldn’t afford.backgroundIn 2015 Mr S took a loan for £1,000 with On Stride Financial. The loan was repayable by thirteen monthly instalments of £104.24.Mr S repaid the loan ... (2 pages)View decision
