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 DRN6411021
20 Jul 2017 Instant Cash Loans Limited UpheldBanking and creditMr B complains about instalment loans he took out with Instant Cash Loans Limited (trading as Payday UK) which he says shouldn’t have been given to him because the loans weren’t affordable. background A summary of Mr B’s borrowing history is as follows; loan numberloa... (3 pages)View decision -
Decision Reference DRN9671885
14 Oct 2019 Novaloans Ltd UpheldBanking and creditMr E says Novaloans Ltd (trading as Cash4unow) irresponsibly lent to him.backgroundThis complaint is about four instalment loans Cash4unow provided to Mr E between June 2017 and July 2018. Mr E’s borrowing history is as follows: loan numberstart dateloan amountinstalmentshighest repaymente... (3 pages)View decision -
Decision Reference DRN-2736783
7 May 2021 Monzo Bank Ltd UpheldBanking and PaymentsDRN-2736783 The complaint Mr S complains that Monzo Bank Ltd (Monzo) has unfairly charged him fees for withdrawing cash. And that it hasn’t adequately supported him in light of his vulnerabilities. What happened Mr S holds a bank account with Monzo. In October 2020, it introduced a 3% fee ... (3 pages)View decision -
Decision Reference DRN-4834364
6 Jun 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-4834364 The complaint Mr and Mrs P say Nationwide Building Society irresponsibly lent to them. What happened Mr and Mrs P opened a joint flex account with Nationwide in October 2022. This gave them access to a £1,500 overdraft which was interest free for the first 12 months. The facili... (3 pages)View decision -
Decision Reference DRN-5029893
13 Nov 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5029893 The complaint Miss E complains that Barclays Bank UK PLC did not refund a series of payments she says she does not recognise. What happened Miss E says she downloaded an app to her phone in order to gamble, but later realised it was a scam app that had hacked her phone. As a... (4 pages)View decision -
Decision Reference DRN8051586
24 Jan 2019 Casheuronet UK LLC UpheldBanking and creditMs A says CashEuroNet UK LLC, trading as QuickQuid, lent to her irresponsibly.backgroundI sent both parties my provisional decision on this complaint on 9 January 2019. A copy of it is attached and it forms part of this final decision. The full background to the... (7 pages)View decision -
Decision Reference DRN-3153417
7 Feb 2022 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3153417 The complaint Mr W complains that Tesco Personal Finance PLC (trading as Tesco Bank) won’t reimburse money he lost when he fell victim to a scam. What happened The background to this complaint is well known to both parties. So, I’ll only provide an overview of some of the key e... (4 pages)View decision -
Decision Reference DRN-2897316
11 Apr 2022 Bamboo Limited UpheldConsumer CreditDRN-2897316 The complaint Ms M complains about a loan given to her by Bamboo Limited. What happened In December 2014, Ms M applied for a loan of £5,000 with Bamboo. It was agreed on the basis that it would be repaid by 60 monthly instalments of approximately £216. Ms M complains that Bambo... (4 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 DRN3309845
16 Feb 2016 Barclays Bank Plc Not upheldBanking and creditMr P complains that Barclays Bank PLC lent to him irresponsibly.backgroundMr P took out a loan with Barclays in July 2014. A few months later, he wanted to increase his overdraft by £1,000. But Barclays wasn’t willing to do this. Instead, it offered him a loan which re... (3 pages)View decision
