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
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Decision Reference DRN-3565394
9 Dec 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3565394 The complaint Mr J complains there was malpractice by Bank of Scotland trading as Halifax (BOS) in relation to how they communicated about a credit card account in his name – he would like to be compensated for this. What happened The detailed background to this complaint is we... (4 pages)View decision -
Decision Reference DRN2953712
5 Jun 2018 SLL Capital Limited UpheldBanking and creditMr L’s complaint about SLL Capital Limited, trading as Safeloans, (SLL) can be summarised as follows: He believes SLL didn’t carry out robust affordability checks and lent to him irresponsibly He’s unhappy SLL obtained a Country Court Judgement (CCJ) without his kno... (8 pages)View decision -
Decision Reference DRN4168011
3 Nov 2017 WDFC UK Limited UpheldBanking and creditMr M complains that WDFC UK Limited, trading as wonga.com, gave him loans that he couldn’t afford to repay.BackgroundMr M took out 7 payday loans with Wonga as follows:Loan numberDateDate repaidAmount (£)Top- up loan1.3 December 201123/12/20113802.11 January 201227/1/201... (5 pages)View decision -
Decision Reference DRN2351459
18 Apr 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr C has complained about short-term loans granted to him by CURO TRANSATLANTIC LIMITED trading as Wage Day Advance (‘Wage Day’ or ‘the lender’). backgroundWage Day agreed seven loans for Mr C between May 2015 and May 2016. The loan amounts ranged from £100 to £550 a... (4 pages)View decision -
Decision Reference DRN-3363870
10 Mar 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3363870 The complaint Mr B has complained that Madison CF UK Limited trading as 118 118 Money was irresponsible in lending to him. What happened 118 118 Money provided Mr B with the following loans: Date taken Total Loan Term Monthly repayment Amount Borrowed Date repaid Loan 1 24/06/1... (4 pages)View decision -
Decision Reference DRN1150539
1 Mar 2019 Casheuronet UK LLC UpheldBanking and creditMr G has complained about short-term loans granted to him by CashEuroNet UK LLC trading as “QuickQuid”. Mr G says he couldn’t afford these loans and that QuickQuid didn’t take appropriate steps to check whether he could afford them when he took them out. backgroundQuick... (5 pages)View decision -
Decision Reference DRN9961077
9 Nov 2016 Express Finance (Bromley) Limited Not upheldBanking and creditMr C complained that Express Finance (Bromley) Limited (trading as Payday Express) gave him loans that he couldn’t afford to repay.background The background to this complaint was set out in the provisional decision I issued last month. An extract from this is attached ... (4 pages)View decision -
Decision Reference DRN-3272500
28 Feb 2022 Nationwide Building Society Not upheldBanking and PaymentsDRN-3272500 The complaint Mr C complains that Nationwide Building Society failed to refund transactions he didn’t recognise. What happened Mr C transferred a large sum of money into his Nationwide account after he’d won the money using an online betting merchant I’ll refer to as M. The fun... (4 pages)View decision -
Decision Reference DRN-4730874
1 May 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4730874 The complaint Mr C has complained that Bank of Scotland plc trading as Halifax acted irresponsibly when it allowed him to continue using his overdraft when it had become unaffordable for him. Background Mr C held a current account with Halifax which had an overdraft facility on... (4 pages)View decision -
Decision Reference DRN-5326589
12 Feb 2025 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-5326589 The complaint In summary, Miss W complains that Sainsbury’s Bank Plc, provided her with a credit card and credit limit increase that she wasn’t able to afford. The card was administered at the time of the application by another business on behalf of Sainsbury’s. As Sainsbury... (5 pages)View decision
