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-4872913
25 Jun 2024 National Westminster Bank Plc UpheldConsumer CreditDRN-4872913 The complaint Mr P is being represented by a claims manager. He’s complaining about National Westminster Bank Plc because he says it lent irresponsibly by providing a loan he couldn’t afford. What happened Following his application, in December 2021, NatWest gave Mr P a loan fo... (4 pages)View decision -
Decision Reference DRN-3614333
15 Aug 2022 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3614333 The complaint Mr S says that National Westminster Bank Plc (“NatWest”) acted irresponsibly by allowing him to increase the limits on the overdrafts he had with it and continuing to apply charges to his accounts when he was in financial difficulty. What happened Mr S had four ba... (4 pages)View decision -
Decision Reference DRN-5002718
9 Sep 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5002718 The complaint Mr B is being represented by a claims manager. He’s complaining about Vanquis Bank Limited because he says it lent irresponsibly by providing a credit card he couldn’t afford and subsequently increasing the credit limit. What happened Mr B has a credit card acc... (4 pages)View decision -
Decision Reference DRN7376313
9 Sep 2016 Casheuronet UK LLC UpheldBanking and creditMr C complains that Casheuronet UK LLC (trading as Pounds to Pocket and Quick Quid) gave him loans he couldn’t afford to repay. He asks that it writes off the debt, corrects his credit file and pays compensation.backgroundMr C took five loans from Quick Quid from Augu... (2 pages)View decision -
Decision Reference DRN9227648
24 Nov 2017 Barclays Bank Plc Not upheldBanking and creditMr R complains that Barclays Bank Plc was irresponsible in giving him 4 loans at a time when he was a compulsive gambler. He wants the loans and interest written off and his credit file adjusted.backgroundMr R applied to Barclays online and succeeded in getting 4 loan... (2 pages)View decision -
Decision Reference DRN3934732
18 Jun 2019 Ferratum UK Ltd. UpheldBanking and creditMr D complains that Ferratum UK Ltd gave him unaffordable payday loans. He wants a refund of all interest and charges and for the remaining capital balance to be written off.backgroundMr D had six loans from Ferratum taken out between September 2016 and August 2017... (2 pages)View decision -
Decision Reference DRN-4234962
11 Jul 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4234962 The complaint Mr M complains that FUND OURSELVES LIMITED (FOL), lent to him irresponsibly, because Mr M had multiple and recent payday loan application refusals and he says FOL ought to have known that and not lent to him. What happened Mr M took one loan with FOL for £250 repa... (6 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
