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 5123 results
-
Decision Reference DRN-5694816
6 Oct 2025 Madison CF UK Limited Not upheldConsumer CreditDRN-5694816 The complaint Mr R complains that Madison CF UK Limited trading as 118 118 Money was irresponsible in its lending to him. Mr R wants the interest and charges refunded and all adverse information regarding the loan removed from his credit file. What happened Mr R was provided... (4 pages)View decision -
Decision Reference DRN6570549
1 May 2018 Casheuronet UK LLC UpheldBanking and creditMr D complains that CashEuroNet UK LLC was irresponsible to continue to lend to him given his borrowing history.backgroundMr D had eleven loans from CashEuroNet (trading as QuickQuid and Pounds to Pocket) between December 2010 and September 2017 as follows:Mr D says Cas... (4 pages)View decision -
Decision Reference DRN4855415
17 Mar 2017 Creation Financial Services Limited UpheldBanking and creditMr S is unhappy that Creation Financial Services Limited (‘Creation’) charged him a cash advance fee when he used his credit card to buy some gift vouchers.backgroundIn December 2016, Mr S bought a £100 gift card with his credit card. On receipt of his credit card stat... (2 pages)View decision -
Decision Reference DRN-3638239
5 Jan 2023 Yorkshire Building Society Not upheldBanking and PaymentsDRN-3638239 The complaint Mr H complains that Yorkshire Building Society (“YBS”) did not allow him to open a saving account. What happened When Mr H attempted to open a ‘Make me a saver’ account with YBS and was declined, he raised a complaint. YBS issued a final response in which it expl... (2 pages)View decision -
Decision Reference DRN9041980
29 Sep 2016 Lloyds Bank PLC Not upheldBanking and creditMrs B, on behalf of her son Mr B, says Lloyds Bank PLC irresponsibly lent him money.backgroundMrs B says shed told Lloyds in 2014 and 2015 of her son’s gambling problems. Each time the bank had cancelled his debit card, and overdraft facility, and issued him with ... (2 pages)View decision -
Decision Reference DRN4643305
27 Mar 2018 Madison CF UK Limited Not upheldBanking and creditMr M complains that Madison CF UK Limited (trading as 118118 Money) mis-sold him a loan he couldn’t afford.backgroundIn April 2016 Mr M borrowed £2,500 from 118118 Money. This was to be repaid in 24 monthly instalments of just under £200, paid by direct debit. But a... (2 pages)View decision -
Decision Reference DRN4769414
20 Apr 2018 Active Securities Limited UpheldBanking and creditMr C complains that Active Securities Limited trading as 247 Moneybox lent him money that he couldn’t afford to repay.backgroundMr C took out 13 loans with 247 Moneybox between January 2016 and March 2017. He doesn’t think it carried out enough checks before agreeing t... (3 pages)View decision -
Decision Reference DRN-3377814
7 Apr 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3377814 The complaint Miss M says the charges HSBC UK Bank Plc (“HSBC”) applied to her overdraft were unfair and made it extremely difficult to pay off. She is also unhappy about the amount of compensation awarded to her following an internal review of its recoveries process. What happ... (3 pages)View decision -
Decision Reference DRN-5584221
24 Sep 2025 Admiral Financial Services Limited Not upheldConsumer CreditDRN-5584221 The complaint Mr C complains that Admiral Financial Services Limited trading as Admiral Money lent to him irresponsibly. What happened Mr C applied to Admiral for a loan which was agreed on the following terms: Date Amount Term Monthly repayment Total payable16 November 202... (3 pages)View decision -
Decision Reference DRN-5486931
1 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5486931 The complaint Mr S complains Vanquis Bank Limited (“Vanquis”) lent a credit card to him irresponsibly. What happened In March 2023 Mr S applied for a credit card with Vanquis. The application was accepted, and he was provided with a credit limit of £1,200. In December 2023, ... (3 pages)View decision
