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 4619 results
-
Decision Reference DRN0861823
24 Apr 2019 Bank of Scotland Plc UpheldBanking and creditMiss K complains that Bank of Scotland plc (BoS) gave her incorrect information about payments made to her account.backgroundThe investigator has set out the facts in some detail in her opinion and I trust both parties will understand there is no need to rehearse th... (2 pages)View decision -
Decision Reference DRN-3042682
12 Jan 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3042682 The complaint Mr H complains that Barclays Bank Plc trading as Barclaycard, did not refund the payments he says he didn’t otherwise authorise to an investment scam company. What happened Mr H responded to an advert posted by 23 Traders. He spoke with an account manager over the... (5 pages)View decision -
Decision Reference DRN-2994611
20 Aug 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2994611 The complaint Mrs P says that Barclays Bank UK PLC trading as Barclaycard (“Barclaycard”) has lent to her irresponsibly. She would like appropriate compensation and an apology for the distress caused. What happened Mrs P says her credit report score has always been low and tha... (5 pages)View decision -
Decision Reference DRN-1724367
25 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-1724367 The complaint Mr M complains about a personal loan provided to him by Loans 2 Go Limited, trading as Loans 2 Go, (“L2G”), which he says was unaffordable. The complaint is brought to this service on Mr M’s behalf by a family member. But for ease, I shall refer below to all actio... (5 pages)View decision -
Decision Reference DRN-3036451
8 Sep 2021 PDL Finance Limited UpheldConsumer CreditDRN-3036451 The complaint Mr T said PDL Finance Limited trading as Mr Lender gave him loans that he couldn’t afford. What happened Mr Lender provided loans to Mr T as follows: Loan Date Taken Date Repaid Instalment s Amount Highest Repayme nt 1 06/09/2014 02/10/2014 6 £250.00 £116.66 2 23/... (6 pages)View decision -
Decision Reference DRN7724081
6 Jun 2018 WDFC UK Limited UpheldBanking and creditMr G complains that WDFC UK Limited (Wonga) was irresponsible giving him loans.backgroundMr G took 50 loans between December 2011 and October 2015. Some had ‘top-up’ advances added to them. Wonga provided details of the lending and I used it to create a table of loa... (10 pages)View decision -
Decision Reference DRN3273685
27 Feb 2018 PDL Finance Limited UpheldBanking and creditMr T has complained about 11 loans which PDL Finance Limited (trading as Mr Lender) gave him between October 2014 and November 2016. Mr T says that Mr Lender shouldn’t have agreed the number of loans it gave him. He says it should’ve been clear from his lending patter... (4 pages)View decision -
Decision Reference DRN-3521004
22 Jun 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3521004 The complaint Miss R complains that National Westminster Bank Plc (“NatWest”) allowed her account to become overdrawn and says that as her balance showed she was in credit she spent money she didn’t have. What happened Miss R held a bank account with NatWest there was no arrang... (2 pages)View decision -
Decision Reference DRN6251036
10 Nov 2017 Casheuronet UK LLC UpheldBanking and creditMr E complains that CashEuroNet UK LLC (trading as Pounds to Pocket) gave him a loan that he couldn’t afford.backgroundMr E took out a loan for £850 with Pounds to Pocket in 2012. The loan was due to be repaid by 11 monthly instalments of around £134 each.Mr E beli... (2 pages)View decision -
Decision Reference DRN-4348873
17 Oct 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4348873 The complaint Mrs W complains that Vanquis Bank Limited irresponsibly lent to her. What happened Mrs W applied for a credit card from Vanquis in September 2014. It gave her a £250 credit limit and increased this to £500 in March 2015 and to £1,500 in March 2017. Vanquis upheld ... (2 pages)View decision
