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 5478 results
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Decision Reference DRN4011395
4 May 2018 Casheuronet UK LLC UpheldBanking and creditMr W complains CashEuroNet UK LLC, trading as QuickQuid, gave him loans he couldn’t afford to repay.backgroundOur adjudicator recommended the complaint be upheld in part. QuickQuid disagreed and so the case was passed to me for a decision.I issued a provisional deci... (7 pages)View decision -
Decision Reference DRN3164446
23 May 2017 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited wouldn’t accept a payment to his credit card balance from his spread betting account. He also complains that Vanquis then harassed him about missed credit card payments. backgroundMr S says Vanquis charged him a missed payment... (2 pages)View decision -
Decision Reference DRN-3013615
6 Dec 2021 PDL Finance Limited UpheldConsumer CreditDRN-3013615 The complaint Ms W complains that PDL Finance Limited, trading as Mr Lender, lent to her irresponsibly. What happened Using information from Mr Lender, here is a brief table of the approved loans. Loan Date Taken Date Repaid Instalments Amount Highest Repayment 1 02/06/2018 14/... (6 pages)View decision -
Decision Reference DRN-5831782
14 Jan 2026 J.P. Morgan Europe Limited Not upheldBanking and PaymentsDRN-5831782 The complaint Mr W complains J.P. Morgan Europe Limited trading as Chase declined several payments he wanted to make meaning he lost out on financial returns. What happened Mr W has an account with Chase with a debit card. He’s told us that he has problems with gambling and ... (2 pages)View decision -
Decision Reference DRN-5876788
23 Oct 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5876788 The complaint Mr S complains that Bank of Scotland (“BoS”) acted irresponsibly when it granted him an overdraft and subsequent increase and failed to consider patterns of reliance on debt and hardcore borrowing What happened Mr S has held a current account with BoS for a num... (5 pages)View decision -
Decision Reference DRN6570549
1 May 2018 Casheuronet UK LLC UpheldBanking and creditMr D complains that CashEuroNet UK LLC was irresponsible to continue to lend to him given his borrowing history.backgroundMr D had eleven loans from CashEuroNet (trading as QuickQuid and Pounds to Pocket) between December 2010 and September 2017 as follows:Mr D says Cas... (4 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 DRN9041980
29 Sep 2016 Lloyds Bank PLC Not upheldBanking and creditMrs B, on behalf of her son Mr B, says Lloyds Bank PLC irresponsibly lent him money.backgroundMrs B says shed told Lloyds in 2014 and 2015 of her son’s gambling problems. Each time the bank had cancelled his debit card, and overdraft facility, and issued him with ... (2 pages)View decision -
Decision Reference DRN-3638239
5 Jan 2023 Yorkshire Building Society Not upheldBanking and PaymentsDRN-3638239 The complaint Mr H complains that Yorkshire Building Society (“YBS”) did not allow him to open a saving account. What happened When Mr H attempted to open a ‘Make me a saver’ account with YBS and was declined, he raised a complaint. YBS issued a final response in which it expl... (2 pages)View decision -
Decision Reference DRN-3410242
1 Apr 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3410242 The complaint Mr W complains Nationwide Building Society acted unfairly when it defaulted his accounts. What happened Mr W had two current accounts with Nationwide – a Flex account and a FlexDirect account. He says he’d been the victim of various phishing scams and there were t... (9 pages)View decision