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 DRN7710464
28 Nov 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr W complains that Express Finance (Bromley) Limited (trading as Payday Express) was irresponsible to lend him money as it should have seen the loans were unaffordable to him.backgroundMr W had three loans, and two top-ups, from Payday Express between October 2011 ... (2 pages)View decision -
Decision Reference DRN4898929
25 Jan 2018 DJS (UK) Limited Not upheldBanking and creditMr D complains that DJS (UK) Limited (trading as Piggybank) lent to him irresponsibly.backgroundMr D took out an £800 instalment loan with Piggybank in September 2017. He says that had Piggybank carried out adequate checks it would not have lent to him. He says that ... (2 pages)View decision -
Decision Reference DRN-4685404
29 May 2024 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4685404 The complaint Mr L complains that Clydesdale Bank Plc trading as Virgin Money was irresponsible when it offered him credit. What happened Virgin Money opened a credit card account for Mr L in on 6 May 2021 with a credit limit of £9,300. This type of credit was an open-ended or ... (3 pages)View decision -
Decision Reference DRN8824870
25 Oct 2019 Novaloans Ltd UpheldBanking and creditMr L says Novaloans Ltd (trading as Cash4unow) irresponsibly lent to him.backgroundThis complaint is about eight short term loans Cash4unow provided to Mr L between March 2016 and January 2018. Mr L’s borrowing history is as follows: loan number start date loan amount (£)termhighest repaym... (4 pages)View decision -
Decision Reference DRN1933666
31 Aug 2017 MEM Consumer Finance Limited UpheldBanking and creditMiss L complains about a number of payday loans agreed by MEM Consumer Finance Limited (trading as Payday UK). She has said the loans were unaffordable for her.backgroundMiss L took out a total of nine loans with Payday UK between September 2008 and October 2012. The ... (4 pages)View decision -
Decision Reference DRN3501286
12 Dec 2019 Amigo Loans Ltd Not upheldBanking and creditMr D complains Amigo Loans Ltd discussed his loan account with an unauthorised third party, which in turn caused his mental wellbeing to suffer. background Mr D took out a guarantor loan with Amigo and his brother stands as the guarantor. Amigo took a phone call from a third party claimin... (2 pages)View decision -
Decision Reference DRN-4293722
10 Jan 2024 My Finance Club Limited Not upheldConsumer CreditDRN-4293722 The complaint Mr S complains that My Finance Club Limited (“MFC”) irresponsibly lent to him. He says had better checks been carried out, the loans won’t have been lent. What happened MFC lent Mr S two loans in July 2022. From the information provided, the lending history was as... (2 pages)View decision -
Decision Reference DRN-4696970
30 Oct 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4696970 The complaint Mr M complains that Lloyds Bank PLC hasn’t refunded him after he reported falling victim to a scam. What happened Mr M was introduced to a form of investment with a company I’ll refer to as B. He was referred to them by a broker that had presented opportunities... (5 pages)View decision -
Decision Reference DRN-2936483
27 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2936483 The complaint Mr H complains that Vanquis Bank Limited (“Vanquis”) lent to him irresponsibly and didn’t carry out sufficient checks when they increased his credit limit on his credit card account. What happened Mr H was accepted for a credit card by Vanquis in August 2013 with ... (3 pages)View decision -
Decision Reference DRN-2919285
25 Jan 2022 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-2919285 The complaint Mr U complains that Monzo Bank Ltd did not help him recover money he’d deposited into an online trading account which he says turned out to be a scam. What happened In June 2019 Mr U saw an online advertisement for a firm, which said it provided a trading platform... (3 pages)View decision
