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 DRN4379248
13 Feb 2020 Elevate Credit International Limited UpheldBanking and creditMr H says Elevate Credit International Limited (Elevate), trading as Sunny Loans, irresponsibly lent to him.backgroundThis complaint is about 30 loans Elevate provided to Mr H between March 2015 and May 2017. Mr H’s history of borrowing from Elevate is attached to this decision. Our adjudi... (5 pages)View decision -
Decision Reference DRN9105414
4 Jul 2018 Gain Credit LLC UpheldBanking and creditMr M says Gain Credit LLC, trading as Lending Stream, lent to him irresponsibly. He says the loans trapped him into a “debt spiral” and he had to borrow more to repay them. Mr M also says the number of times he borrowed should’ve caused Lending Stream to reali... (4 pages)View decision -
Decision Reference DRN2531281
10 Oct 2017 Barclays Bank Plc Not upheldBanking and creditMiss V complains that Barclays Bank Plc wrongly debited her account twice, causing her to become significantly overdrawn. She also says the bank made mistakes implementing an agreed repayment plan. She has been caused anxiety and seeks compensation.background In Januar... (2 pages)View decision -
Decision Reference DRN4498402
21 Apr 2017 MEM Consumer Finance Limited UpheldBanking and creditMiss H complains that MEM Consumer Finance Limited (trading as Payday UK) gave her unaffordable payday loans. She wants a refund of the interest she paid.backgroundMiss H had four loans from Payday UK between October 2013 and May 2014. She said she couldn’t afford to ... (2 pages)View decision -
Decision Reference DRN-2651234
15 Jul 2021 Advanced Payment Solutions Limited UpheldBanking and PaymentsDRN-2651234 The complaint Miss A complains that Advanced Payment Solutions, trading as Cashplus, restricted access to her account and funds. And didn’t communicate with her during the review period. She’d like compensation for the impact. What happened Miss A had an account with Cashplus. ... (2 pages)View decision -
Decision Reference DRN9734129
19 Oct 2018 Madison CF UK Limited Not upheldBanking and creditMr W is unhappy with Madison CF UK Limited’s (118 Money) decision to lend him money.backgroundMr W had two loans with 118 Money; The first £2,700 on 18 February 2016 which was repaid in full on 9 May 2016; The second £3,500 on 8 June 2016 which was repaid in fu... (3 pages)View decision -
Decision Reference DRN7365922
7 Oct 2020 Madison CF UK Limited UpheldBanking and creditMr F complains that Madison CF UK Limited trading as 118118 Money (“MCF”) lent to him in an irresponsible manner. background Mr F was given two loans by MCF in July 2016 and January 2017. He repaid both loans far earlier than the 24 month terms that he’d agreed. A summary of Mr F’s borrowi... (3 pages)View decision -
Decision Reference DRN-5480988
16 May 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5480988 The complaint Mr M complains that Clydesdale Bank Plc, trading as Virgin Money, lent to him irresponsibly. Mr M is supported in bringing this complaint by a representative. But, for ease, I’ll refer to Mr M throughout. What happened Virgin Money provided Mr M with a credit... (3 pages)View decision -
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
