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-4932379
1 Oct 2024 Santander UK Plc Not upheldConsumer CreditDRN-4932379 Complaint Mr C has complained about personal loans Santander UK Plc (“Santander”) provided to him. He says that these loans were unaffordable and shouldn’t have been provided. Background Mr C has also complained about a credit card and an overdraft which Santander provided ... (4 pages)View decision -
Decision Reference DRN-2842918
17 Dec 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2842918 The complaint Mr M has complained Barclays Bank UK PLC won’t refund him for multiple transactions he says he didn’t make between 15 July 2020 and 23 July 2020. What happened On 24 July 2020, Mr M told Barclays that he had noticed multiple transactions totalling £3,630.00 debiti... (4 pages)View decision -
Decision Reference DRN-2891768
23 Jun 2021 Hitachi Capital (UK) Plc Not upheldConsumer CreditDRN-2891768 The complaint Mr P’s complaint about Hitachi Capital (UK) Plc (Hitachi) relates to a fixed sum loan he took out with them in 2017 and which he says was unaffordable. What happened Mr P signed a three-year loan agreement with Hitachi for £3,000 on 10 October 2017. The interest w... (4 pages)View decision -
Decision Reference DRN6588040
17 Mar 2017 WDFC UK Limited UpheldBanking and creditMiss M has complained about short-term loans granted to her by WDFC UK Limited trading as Wonga (“Wonga” or “the lender”). backgroundWonga agreed 49 short-term loans for Miss M between October 2011 and July 2016. These ranged in value between £230 and £1,500, with an aver... (5 pages)View decision -
Decision Reference DRN-3935489
25 Oct 2024 eToro (UK) Ltd UpheldInvestmentsDRN-3935489 The complaint Mr M complains that eToro (UK) Ltd (“eToro UK”) allowed him to open a CFD trading account in 2022, when it ought to have known he’d previously asked it not to let him trade. He wants it to reimburse him for the losses he suffered on the account. What happened M... (5 pages)View decision -
Decision Reference DRN-3386769
21 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3386769 The complaint Mr B complains that NewDay Ltd (“NewDay”) has refused to refund payments he made to Toroption using his NewDay (Opus) Mastercard credit card. Mr B says that Toroption were operating a scam and stole his money. What happened The circumstances of this complaint are... (5 pages)View decision -
Decision Reference DRN2972228
27 Sep 2019 Barclays Bank UK PLC Not upheldBanking and creditMr B has complained that Barclays Bank UK Plc increased his credit card limit twice in 2014 without properly checking to make sure this was affordable. backgroundThe original limit for Mr B’s credit card account was £400. This increased to £800 in April 2013. Mr B tended to pay more than t... (4 pages)View decision -
Decision Reference DRN-3963086
22 Feb 2023 Oplo PL Ltd UpheldConsumer CreditDRN-3963086 The complaint Ms D says Oplo PL Ltd, trading as 1st Stop Personal Loans, irresponsibly lent to her. What happened Ms D took out a 30-month instalment loan from Oplo on 14 February 2018. It was for £3,000 and the monthly repayments were £137.20 The total repayable was £4,116. Ms... (4 pages)View decision -
Decision Reference DRN-5000419
17 Sep 2024 MBNA Limited UpheldBanking and PaymentsDRN-5000419 The complaint Mr M complains that MBNA Limited lent to him in an irresponsible manner. What happened Mr M has held two credit cards with MBNA. The first card (account number ending 0765) was opened in November 2018 with an initial credit limit of £5,600. The credit limit was... (4 pages)View decision -
Decision Reference DRN1551244
23 May 2019 Casheuronet UK LLC UpheldBanking and creditMr L says CashEuroNet UK LLC (trading as Pounds to Pocket) lent to him irresponsibly.backgroundPounds to Pocket approved 12 instalment loans for Mr L. I’ve set out some of the details the business has provided about these loans in the table below. Three of the ... (3 pages)View decision
