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
-
Decision Reference DRN2239831
30 Mar 2017 Lending Stream Llc UpheldBanking and creditMr K has complained about short-term loans granted to him by Lending Stream LLC (“Lending Stream” or “the lender”). backgroundThe background to the complaint was set out in my provisional decision dated 9 March 2017, a copy of which is attached and forms part of this fi... (5 pages)View decision -
Decision Reference DRN0062445
21 Dec 2018 Harvey & Thompson Limited Not upheldBanking and creditMr A complains that the loans he had from Harvey & Thompson Limited were unaffordable and caused him to get into a debt spiral.backgroundMr A had four loans from Harvey and Thompson between April 2014 and June 2017 as follows:Loan Date AmountRepaymentsFrequency DueP... (3 pages)View decision -
Decision Reference DRN-5931200
6 Nov 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldConsumer CreditDRN-5931200 The complaint Mr C says National Westminster Bank Plc (‘NatWest’), irresponsibly lent to him. He says that it didn’t take reasonable steps to ensure he could afford the repayments towards three personal loans. And it has lent to him whilst knowing he had other debt. He says ... (5 pages)View decision -
Decision Reference DRN-3598639
1 Sep 2022 National Westminster Bank Plc UpheldConsumer CreditDRN-3598639 The complaint Mr O complains that National Westminster Bank Plc (“Nat West”) provided him with credit he couldn’t afford to repay. What happened Nat West approved a £6,000 loan application and provided further credit in the form of a £1,500 overdraft limit in December 2021. Mr ... (2 pages)View decision -
Decision Reference DRN1231931
9 Sep 2016 Express Finance (Bromley) Limited UpheldBanking and creditMr C complains that Express Finance (Bromley) Limited (trading as Payday Express) 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 two loans from Payday Express in Nov... (2 pages)View decision -
Decision Reference DRN-4592585
29 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4592585 The complaint Miss B complains that Vanquis Bank Limited was irresponsible to lend to her. What happened Miss B was approved for a credit card with Vanquis on 26 November 2022. The credit limit was set at £1,200 and this remained unchanged. Miss B says Vanquis should have asked... (2 pages)View decision -
Decision Reference DRN-4434240
8 Nov 2023 Evolution Lending Limited UpheldMortgagesDRN-4434240 The complaint Miss A complains that Evolution Lending Limited (“Evolution”) lent to her irresponsibly as she had numerous debts at the time she took out her secured loan. She also says that Evolution didn’t treat her fairly when she was in financial difficulties. What happened ... (10 pages)View decision -
Decision Reference DRN5815859
22 Jan 2018 Casheuronet UK LLC UpheldBanking and creditMr S complains that CashEuroNet UK LLC, trading as QuickQuid, gave him loans he couldn’t afford to repay.backgroundMr S took out the following loans from QuickQuid: date £ amount borrowed,including top-ups date repaid 118 June 201515031 July 2015211 August 201545030 Septemb... (3 pages)View decision -
Decision Reference DRN-3758603
3 Nov 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3758603 The complaint Mr U says that Lloyds Bank PLC (“Lloyds”) acted irresponsibly by approving an overdraft for him when he had a gambling addiction. He says the charges he incurred for this were unaffordable and caused financial difficulty. What happened Mr U applied for an overdraf... (3 pages)View decision -
Decision Reference DRN-3021198
1 Oct 2021 Think Money Limited Not upheldBanking and PaymentsDRN-3021198 The complaint and background Mr B blames Think Money Limited for not doing enough to help him recover payments to a scam binary-options trading company. He disputes the following payments: Date Merchant Payment method Amount 30 January 2018 G Ltd Mastercard debit card £750 30 J... (9 pages)View decision