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 4727 results
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Decision Reference DRN-4219463
30 Jun 2023 Madison CF UK Limited Not upheldBanking and PaymentsDRN-4219463 The complaint Mr L complains that Madison CF UK Limited trading as 118 118 Money irresponsibly issued a credit card to him, which he couldn’t afford the repayments on. What happened In July 2019 Mr L successfully applied to 118 118 Money for credit card. This was issued to him,... (3 pages)View decision -
Decision Reference DRN5680301
25 Mar 2020 Capital One (Europe) plc Not upheldBanking and creditMr R complains that Capital One (Europe) plc did not close his account when it should have done thereby letting him run up further debt as a result. background In July 2017 Mr R contacted Capital One. He said he told it he had been using his account to spend on gambling to which he was add... (3 pages)View decision -
Decision Reference DRN-1945030
10 Jul 2020 PDL Finance Limited UpheldConsumer CreditDRN-1945030 The complaintMiss J complains that PDL Finance Limited (trading as ‘Mr Lender’) acted irresponsibly when lending to her. What happenedBetween July 2018 and March 2019 Mr Lender provided Miss J with four loans. Here’s a table setting out details of those loans:LoanDate Taken Da... (4 pages)View decision -
Decision Reference DRN9879228
30 Jun 2017 Lending Stream Llc UpheldBanking and creditMr R has complained about loans granted to him by Lending Stream LLC. He’s said they were unaffordable for him.backgroundLending Stream says it agreed 22 loans for Mr R during the period October 2011 to June 2016. The following table summarises some of the information ... (5 pages)View decision -
Decision Reference DRN-5020302
23 Sep 2024 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5020302 Complaint Mr V complains that Oodle Financial Services Limited (trading as “Oodle” Car Finance) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In January 2019, Oodle provided Mr V... (3 pages)View decision -
Decision Reference DRN0822536
16 Jun 2017 Provident Personal Credit Limited Not upheldBanking and creditMr R complains that Provident Personal Credit Limited sold him home credit loans he couldn’t afford.backgroundBetween 2005 and 2014, Mr R took out 14 loans with Provident. In 2016 he complained to Provident that these had been unaffordable, and asked for a refund of th... (2 pages)View decision -
Decision Reference DRN-5350692
27 Feb 2025 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-5350692 The complaint Mr J has complained that National Westminster Bank Plc (“NatWest”) mis-sold him a fee- paying Reward Black packaged bank account in February 2019. Mr J said that he was told that he had to get the account in order to take out an overdraft. Mr J said that his ea... (3 pages)View decision -
Decision Reference DRN-4663375
3 Apr 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4663375 The complaint Mr B is complaining about Zopa Bank Limited because he says it lent irresponsibly when providing him with a credit card. He says he had a gambling problem for which he’s receiving treatment and he shouldn’t have been given access to further credit. What happened O... (4 pages)View decision -
Decision Reference DRN-5256766
23 Jan 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5256766 The complaint Mr S complains that Capital One (Europe) plc lent irresponsibly when it approved his credit card application. What happened Mr S applied for a credit card with Capital One in June 2023. In his application, Mr S said he was employed with an income of £32,500. M... (3 pages)View decision -
Decision Reference DRN-4590847
29 Mar 2024 Nationwide Building Society UpheldBanking and PaymentsDRN-4590847 The complaint Mr R complained that Nationwide Building Society (“Nationwide”) irresponsibly granted an overdraft in August 2022 that he couldn’t afford to repay. What happened In August 2022, Mr R was granted an overdraft of £2,000 on his current account. Mr R thinks that Natio... (3 pages)View decision
