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-3280886
10 Feb 2022 MBNA Limited Not upheldBanking and PaymentsDRN-3280886 The complaint Miss B complains that MBNA Limited irresponsibly increased her credit card account limit to unaffordable levels. What happened Miss B says she asked MBNA for payment breaks which were approved but when they ended, she was paying nearly double her previous amount. ... (3 pages)View decision -
Decision Reference DRN9658475
13 Sep 2018 Casheuronet UK LLC UpheldBanking and creditMr D complains that CashEuroNet UK LLC (trading as QuickQuid) gave him loans that he couldn’t afford to repay.backgroundMr D was given four loans by QuickQuid between June and August 2017. He topped up his last two loans by taking some additional borrowing within a ... (3 pages)View decision -
Decision Reference - DRN-1829933
20 Jul 2020 Stagemount Limited UpheldConsumer CreditThe complaint Mrs F says Stagemount Limited, trading as Quid Market (“Quid Market”), irresponsibly lent to her. Mrs F says she had a poor credit record and a gambling addiction. She says Quid Market should have carried out more checks before it lent to her. What happened This complaint is ... (4 pages)View decision -
Decision Reference DRN-3658213
19 Aug 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3658213 The complaint Mr R complains that Barclays Bank UK PLC, trading as Barclaycard (“Barclaycard”), irresponsibly granted him a credit card he couldn’t afford to repay. What happened In February 2017 Mr R entered into an agreement with Barclaycard to have access to credit by way of... (2 pages)View decision -
Decision Reference DRN-3518542
7 Jun 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3518542 The complaint Mr C says AvantCredit of UK, LLC irresponsibly lent to him. What happened This complaint is about 2 loans AvantCredit provided to Mr C between July and November 2016. Mr C’s borrowing history is as follows: I issued a provisional decision on this complaint in May ... (2 pages)View decision -
Decision Reference DRN-2475321
1 Nov 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2475321 The complaint Mr K complains that Loans2Go Limited irresponsibly lent to him. What happened The details of this complaint are well known to both parties, so I won’t repeat them all again here. In summary Loans2Go lent Mr K one loan in November 2019, the loan was for £1,000 and ... (2 pages)View decision -
Decision Reference DRN2444191
22 Nov 2016 MEM Consumer Finance Limited UpheldBanking and creditMr S has complained MEM Consumer Finance Limited, trading as Payday UK, didn’t check whether he could afford the loans he took out with them between 2010 and 2012.backgroundIn September 2010 Mr S took out a loan for £300 with Payday UK. Over the next eighteen months... (2 pages)View decision -
Decision Reference DRN-4100660
4 May 2023 MBNA Limited Not upheldBanking and PaymentsDRN-4100660 The complaint Mr N complains that MBNA Limited lent irresponsibly when it approved his credit card application. What happened In September 2019 Mr N applied for a credit card and associated balance transfer with MBNA. In his application Mr N said his income was around £31,000 a... (2 pages)View decision -
Decision Reference DRN6574499
14 Mar 2017 Clydesdale Bank Plc Not upheldBanking and creditMr S complains that Clydesdale Bank Plc didn’t tell him his wife had been transferring and withdrawing large amounts of money from their joint savings account. He said if he had been contacted he may have been able prevent some of these transactions. backgroundMr S and... (2 pages)View decision -
Decision Reference DRN-2724203
29 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2724203 The complaint Miss R says Loans 2 Go Limited lent irresponsibly to her. What happened Miss R took out three loans from Loans 2 Go, as set out below. *£250 received by Miss R, the balance settled loan 2 Loan 1 was a logbook loan, so it was given on the basis that Miss R provided... (4 pages)View decision
