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 4727 results
-
Decision Reference DRN6208061
23 Jan 2018 MMP Financial Limited Not upheldBanking and creditMr D complains that MMP Financial Limited, trading as Swift Sterling, gave him loans he couldn’t afford to repay.backgroundMr D took out the following loans with Swift Sterling: date £ amount borrowed /to be repaid (rounded)date repaid1 16 July 2016250/27227 July 20162 ... (2 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 -
Decision Reference DRN-4213434
9 Nov 2023 Morses Club PLC Not upheldConsumer CreditDRN-4213434 The complaint Mr M complains that Morses Club PLC irresponsibly gave him a fixed sum loan agreement he couldn’t afford to repay. What happened In October 2022, Mr M applied for a personal loan with Morses. He borrowed £980 which was to be repaid by 52 weekly repayments of £36.7... (2 pages)View decision -
Decision Reference DRN4868980
25 Aug 2017 National Westminster Bank Plc Not upheldBanking and creditMs R complains that National Westminster Bank Plc took £2,000 from her account and sent her a bank card in her father’s name. She also complains about abusive behaviour from NatWest’s staff and that a manager followed her into another bank to cause trouble.background ... (2 pages)View decision -
Decision Reference DRN-5326589
12 Feb 2025 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-5326589 The complaint In summary, Miss W complains that Sainsbury’s Bank Plc, provided her with a credit card and credit limit increase that she wasn’t able to afford. The card was administered at the time of the application by another business on behalf of Sainsbury’s. As Sainsbury... (5 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-5454192
3 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5454192 The complaint Mr O complains that NewDay Ltd lent irresponsibly when it approved two credit card applications and increased the credit limit on both accounts. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I... (5 pages)View decision -
Decision Reference DRN7085638
31 Jan 2020 Novaloans Ltd UpheldBanking and creditMr G says Novaloans Ltd (trading as Cash4unow) irresponsibly lent to him.backgroundThis complaint is about 4 instalment loans Cash4unow provided to Mr G between August 2017 and October 2018. Details of the 5 loans are as follows:LoanDate startedDate repaidInstalmentsAmountHighest repaymen... (3 pages)View decision -
Decision Reference DRN-3652824
17 Aug 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3652824 The complaint Miss H has complained that Madison CF UK Limited trading as 118118 Money lent to her irresponsibly. What happened Miss H borrowed £5,000 from Madison in June 2021. The loan was due to be repaid in 36 monthly instalments of about £226. The total amount repayable wa... (3 pages)View decision
