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-3689799
20 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3689799 The complaint Miss B complains that NewDay Ltd trading as Aqua have irresponsibly lent to her. What happened Miss B was accepted for a NewDay branded credit card in February 2020 with a £900 credit limit. This was later increased to £1,650 in August 2020. She says that NewDay i... (4 pages)View decision -
Decision Reference DRN-4078994
12 May 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4078994 The complaint In summary, Mr F complains that HSBC UK Bank PLC (trading as First Direct), provided him with a credit card that he wasn’t able to afford. I will refer to HSBC throughout the decision. What happened In November 2019, Mr F applied for a credit card with HSBC. The a... (4 pages)View decision -
Decision Reference DRN-2614184
19 Apr 2021 Gain Credit LLC Not upheldConsumer CreditDRN-2614184 The complaint Mr R complains that Gain Credit LLC trading as Lending Stream was irresponsible in its lending to him. What happened Mr R took out two loans with Lending Stream – one in March 2013 and one in May 2013. Loan Date Repaid Amount 1 15/03/2013 18/05/2013 £350.00 2 18/0... (4 pages)View decision -
Decision Reference DRN-2519237
18 Jan 2021 National Westminster Bank Plc UpheldConsumer CreditDRN-2519237 The complaint Miss B has complained that National Westminster Bank Plc lent to her irresponsibly. She says they should have looked at her financial circumstances in more detail before agreeing to the loans as she could not afford them. What happened Ms B applied for a loan of ... (3 pages)View decision -
Decision Reference DRN2796666
1 Jun 2018 Provident Personal Credit Limited UpheldBanking and creditMr G complains that Provident Personal Credit Limited (trading as Satsuma Loans) gave him loans that he couldn’t afford.backgroundMr G took out a total of five loans with Satsuma between September 2015 and February 2017.LoanDate of loanDate repaidAmount lentWeekly payment... (4 pages)View decision -
Decision Reference DRN-4689841
23 Apr 2024 TSB Bank plc UpheldBanking and PaymentsDRN-4689841 The complaint Mr R complains that TSB Bank plc have been unable to retrieve funds he sent to a wrong account. Mr R is also unhappy that TSB closed his accounts and the service he received. What happened Mr R had a current account and savings account with TSB. In September 2023,... (5 pages)View decision -
Decision Reference DRN6399366
4 Jun 2019 Casheuronet UK LLC UpheldBanking and creditMr H complains that CashEuroNet UK LLC, trading as QuickQuid, lent to him in an irresponsible manner.backgroundMr H took out five loans with QuickQuid between July 2016 and November 2017. The last loan remains outstanding. A summary of the loans is as follows:date£ ... (3 pages)View decision -
Decision Reference DRN6325735
16 Aug 2017 Cash On Go Limited UpheldBanking and creditMiss M complains that Cash on Go Limited (trading as Peachy.co.uk) gave her unaffordable instalment loans. She wants a refund of the interest she paid, with interest. backgroundMiss M had 10 loans from Peachy between March 2015 and August 2016. She said the loans were... (2 pages)View decision -
Decision Reference DRN-2495651
30 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2495651 Complaint Mr M has complained that Loans 2 Go Limited (“L2G”) provided him with an unaffordable loan. He says he should never have been given this loan as he had poor credit and was using any new funds on his gambling addiction. Background L2G provided Mr M with a loan of £500... (4 pages)View decision -
Decision Reference DRN-4388035
3 Nov 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4388035 The complaint Mr R complains that Bank of Scotland plc trading as Halifax (“Halifax”) failed to refund transactions he didn’t recognise. What happened Mr R had difficulties accessing his online account and also noticed that his bank card was missing. He reported this to Halifax... (4 pages)View decision
