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
-
Decision Reference DRN6630856
17 Aug 2017 Active Securities Limited UpheldBanking and creditMr W complains that Active Securities Limited trading as 247Moneybox lent him money that he couldn’t afford to repay.backgroundMr W took out 26 loans with Moneybox between 2010 and 2013. He said it was irresponsible to agree to lend.Moneybox didn’t agree the lending w... (3 pages)View decision -
Decision Reference DRN-3427947
4 May 2022 Nationwide Building Society Not upheldBanking and PaymentsDRN-3427947 The complaint Mr S complains that Nationwide Building Society provided him with extensions to his overdraft facility limit. Mr S says that manual checks of his bank account would have made it clear at the time the credit was being offered to him that it was not affordable. What... (3 pages)View decision -
Decision Reference DRN-1457127
23 Jun 2020 Nationwide Building Society Not upheldBanking and PaymentsDRN-1457127 The complaintMr M complains that Nationwide Building Society increased the credit limit on his credit card when it should have known that he could not afford it. What happenedMr M had a credit card with Nationwide. Nationwide increased his credit limit in April 2012 and again i... (2 pages)View decision -
Decision Reference DRN-3386904
25 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3386904 The complaint Mr W complains that Everyday Lending Limited lent to him irresponsibly. What happened Mr W took one loan with Everyday Lending. It was approved for him on 22 May 2019 for £3,100 repayable over 36 months at £247.09 each month. The total charge for credit was £5,795... (4 pages)View decision -
Decision Reference DRN-3732915
17 Oct 2022 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-3732915 The complaint Mr F complains that Sainsbury's Bank Plc irresponsibly gave him a loan that he couldn’t afford. For simplicity, I will refer to the business throughout as ‘Sainsbury’s’. What happened In November 2020, Mr F applied for a loan with Sainsbury’s. He was given a ... (4 pages)View decision -
Decision Reference DRN-4452028
18 Apr 2024 HSBC UK Bank Plc UpheldConsumer CreditDRN-4452028 The complaint Mr W says HSBC UK Bank Plc, trading as first direct, lent irresponsibly when providing him with a loan in 2023. What happened In June 2023, HSBC loaned Mr W £16,000 over an 81-month term. The stated purpose of the loan was to fund home improvements. The interest r... (3 pages)View decision -
Decision Reference DRN3244911
3 Mar 2018 Active Securities Limited UpheldBanking and creditMrs P complains that Active Securities Limited trading as 247 Moneybox lent her money that she couldn’t afford to repay.backgroundMrs P took out 6 loans with 247 Moneybox between February 2013 and April 2015 and her final loan was taken out in March 2016. She doesn’t ... (3 pages)View decision -
Decision Reference DRN3121520
5 Dec 2017 WDFC UK Limited UpheldBanking and creditMr F complains that WDFC UK Limited (trading as Wonga) lent money to him that he could not afford to repay.backgroundMr F took out 23 loans with Wonga between June 2013 and May 2017. A table of Mr F’s loans with Wonga is set out below.LoanDateAmount (£)1June 20... (3 pages)View decision -
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
