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
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Decision Reference DRN-4027300
25 Oct 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4027300 The complaint Mr D has complained Tesco Personal Finance PLC, trading as Tesco Bank, has lodged a fraud-related marker on the industry fraud database, CIFAS, which has inconvenienced him. What happened In 2019 Mr D amended his direct debit with Tesco Bank so that the full amoun... (2 pages)View decision -
Decision Reference DRN9951909
19 Apr 2016 Capital One (Europe) plc Not upheldBanking and creditMr D1 represented by his father, Mr D2, complains that Capital One (Europe) plc acted irresponsibly when it approved his credit card application.backgroundIn 2013, Capital One gave Mr D1 a credit card with a limit of £1,500. Mr D2 is unhappy that Capital One agreed... (2 pages)View decision -
Decision Reference DRN8116503
27 Sep 2016 BB Credit Ltd UpheldBanking and creditMr O complains that BB Credit Ltd (trading as Bongaloans) gave him loans he couldn’t afford to repay. He asks that it refunds all interest and charges, with 8% interest. backgroundMr O says he took out 15 loans with Bongaloans between November 2012 and October 2015. He... (2 pages)View decision -
Decision Reference DRN-3958320
13 Mar 2023 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3958320 The complaint Mr D complains that Moneybarn No. 1 Limited trading as Moneybarn, irresponsibly gave him a conditional sale agreement he couldn’t afford. What happened In 2018, Mr D acquired a used car using a conditional sale agreement from Moneybarn. The cash price of the car w... (2 pages)View decision -
Decision Reference DRN-3314458
14 Feb 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3314458 The complaint Mr and Mrs S complain that HSBC UK Bank Plc (“HSBC”) has refused to refund payments they made using their HSBC Visa debit card. They made these payments to Optionstarsglobal, which turned out to be a fraudulent binary options company. What happened The circumstan... (5 pages)View decision -
Decision Reference DRN4107809
15 Feb 2018 NewDay Ltd UpheldBanking and creditMr W complains that it was irresponsible for NewDay Limited to give him a credit card and then to increase his credit limit.backgroundMr W opened a credit card account with NewDay in 2014. Later that year he entered into a debt management plan and NewDay sold his acco... (2 pages)View decision -
Decision Reference DRN8103105
9 Jan 2018 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC gave him unaffordable instalment loans. He wants a refund of his interest and charges.backgroundMr H had ten loans from Lending Stream between January 2015 and May 2016. He said it didn’t carry out proper checks that he could af... (2 pages)View decision -
Decision Reference DRN9017513
22 Jan 2020 Evergreen Finance London Ltd Not upheldBanking and creditMr H says Evergreen Finance London Limited, trading as MoneyBoat.co.uk (MoneyBoat), lent to him irresponsibly. backgroundMr H had five loans with MoneyBoat which are set out below. An adjudicator considered the complaint and didn’t think it should be upheld. Mr H didn’t agree with the adju... (3 pages)View decision -
Decision Reference DRN-3957365
24 Feb 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-3957365 The complaint Mr M complains that Mitsubishi HC Capital UK Plc, trading as Novuna Personal Finance, irresponsibly lent to him. What happened Mr M took out a 36-month fixed sum loan for £4,000 from Novuna in October 2017. The monthly repayments were £184.56 and the total repayab... (2 pages)View decision -
Decision Reference DRN-3784334
17 Nov 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3784334 The complaint Mr M complains that Barclays Bank UK PLC trading as Barclaycard irresponsibly gave him a credit card that he couldn’t afford. For simplicity, I will refer to the business throughout as ‘Barclaycard’. What happened In March 2016, Mr M applied for a credit card with... (2 pages)View decision
