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 DRN5950382
4 Jul 2018 Casheuronet UK LLC UpheldBanking and creditMiss C complains that CashEuroNet UK LLC (trading as QuickQuid and Pounds to Pocket) gave her loans that she couldn’t afford to repay.backgroundMiss C was given 2 instalment loans by Pounds to Pocket and 5 instalment loans by QuickQuid between October 2014 and July 2017... (3 pages)View decision -
Decision Reference DRN-3924686
29 Mar 2023 Nationwide Building Society Not upheldMortgagesDRN-3924686 The complaint Miss T complains that her application for further lending has been unfairly declined by Nationwide Building Society. What happened Miss T had an existing repayment mortgage with Nationwide since 2018. In 2022, Miss T wanted to borrow a further £20,000 to consolida... (3 pages)View decision -
Decision Reference DRN7006723
28 Jun 2018 Uncle Buck Finance LLP Not upheldBanking and creditMr S complains that Uncle Buck Finance LLP gave him a loan that was unaffordable.backgroundMr S borrowed £200 from Uncle Buck in October 2017. The loan was to be repaid in three monthly instalments of £88. He is unhappy that, at the time he applied for the loan, he ... (3 pages)View decision -
Decision Reference DRN-4224095
18 Jul 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4224095 The complaint Mr H has complained that Lloyds Bank PLC (“Lloyds”) failed to remove his overdraft following a complaint of irresponsible lending being upheld. He says this led to him once again using his overdraft and getting into further debt when he was vulnerable. What happen... (3 pages)View decision -
Decision Reference DRN-3118475
23 Nov 2021 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3118475 The complaint Mr P has complained about Bank of Scotland Uk Plc (Trading as Halifax)’s decision to agree to offer him an overdraft in January 2020 and then to increase that overdraft limit up to £3,500 over the next month or so. He says Halifax was aware that he suffered with a... (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 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 -
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 DRN-5841904
25 Sep 2025 Loans 2 Go Limited UpheldConsumer CreditDRN-5841904 The complaint Miss C says Loans 2 Go Limited irresponsibly lent to her. What happened Miss C took out a loan for £400 over 18 months from Loans 2 Go on 19 September 2020. The monthly repayments were £91.42 and the total repayable was £1,645.56. She says Loans 2 Go did not d... (3 pages)View decision -
Decision Reference DRN0353893
16 Apr 2018 Hitachi Capital (UK) Plc Not upheldBanking and creditMr M complains that Hitachi Capital (UK) Plc didn’t carry out affordability checks before accepting his loan application.backgroundMr M applied for a personal loan on 11 June 2015 for the sum of £10,000. On his application Mr M said he was living with his parents, ha... (3 pages)View decision
