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 DRN0625654
2 Mar 2020 Oakbrook Finance Limited Not upheldBanking and creditMr W says Oakbrook Finance Limited, trading as Likely Loans, shouldn’t have lent him money in 2017.backgroundIn November 2017, Mr W borrowed £2,500 from Likely Loans. He’d repay this amount, with interest, over 12 months. The monthly repayments were £266.24. He repaid the loan early, in Fe... (3 pages)View decision -
Decision Reference DRN5631290
27 Nov 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr F complains about a number of payday loans he borrowed from Curo Transatlantic Limited (trading as Wageday Advance). He says the loans became difficult to manage and this led him into a debt spiral.backgroundI issued a provisional decision on 30 October 2017 where ... (7 pages)View decision -
Decision Reference DRN6303505
16 Nov 2015 Sesame Limited Not upheldInvestment and pensionsMr and Mrs M complained that the level term assurance policy sold to them in 2004 by Sesame Limited (sesame) was not suitable. They say that they were told the policy was a condition of the mortgage.They also complained that they had pre-existing conditions, which wo... (3 pages)View decision -
Decision Reference DRN-4147237
6 Jun 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4147237 The complaint Mr L complains that National Westminster Bank Plc lent to him irresponsibly. What happened In March 2020 Mr L applied for a credit card with NatWest. NatWest approved the application and gave Mr L a credit card with an initial credit limit of £6,750. Mr L complain... (3 pages)View decision -
Decision Reference DRN9536513
30 Jun 2015 National Westminster Bank Plc Not upheldBanking and creditMr W complains that National Westminster Bank Plc will not refund fraudulent payments made from his account to an online gambling website.backgroundMr W disputes four payments made on the same date. The payments totalled £2,550 (£50, £500, £1,000 and £1,000) and result... (1 page)View decision -
Decision Reference DRN-5155438
5 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5155438 The complaint Mr H complains that Vanquis Bank Limited was irresponsible in its lending to him. He wants all interest, fees and charges refunded plus statutory interest and any adverse information removed from his credit file. Mr H is represented by a third party but for eas... (3 pages)View decision -
Decision Reference DRN-2025700
26 Jul 2020 Stagemount Limited UpheldConsumer CreditDRN-2025700 The complaintMr B complains that Stagemount Limited trading as ‘Quid Market’ acted irresponsibly when lending to him. What happenedIn October and November 2019 Quid Market provided Mr B with loans, each due to be repaid by instalments over a number of months. In the event, Mr ... (4 pages)View decision -
Decision Reference DRN3504806
27 Oct 2017 Amigo Loans Ltd Not upheldBanking and creditMiss P complains that Amigo Loans Ltd mis-sold her eight loans she could not afford, and then refused to agree a repayment plan with her once she told it she could not afford to make the contractual repayments.backgroundMiss P took out eight loans with Amigo Loan... (3 pages)View decision -
Decision Reference DRN3018625
13 Mar 2018 Gain Credit LLC UpheldBanking and creditMr B complains that Gain Credit LLC (trading as Lending Stream) lent him money he couldn’t afford to repay.backgroundMr B took out seven instalment loans between October 2015 and August 2017. He says Lending Stream shouldn’t have agreed to lend as he was carrying ... (4 pages)View decision -
Decision Reference DRN-4441283
18 Dec 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4441283 The complaint Mr W complains that Lloyds Bank Plc refuses to refund money he lost to an investment scam. What happened From December 2021 to February 2023, Mr W made debit card payments totalling £13,748.03 to a cryptocurrency exchange account I’ll call ‘B’ (this was an account... (4 pages)View decision
