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 4727 results
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Decision Reference DRN-4994428
3 Sep 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4994428 The complaint Mr M says Vanquis Bank Limited irresponsible lent to him. What happened Mr M took out a credit card from Vanquis on 25 March 2024. He was given a £600 credit limit. He says he was given this credit card during a difficult time in his life when he had a gambling... (2 pages)View decision -
Decision Reference DRN-4506345
9 Jan 2024 Lendable Ltd Not upheldBanking and PaymentsDRN-4506345 The complaint Mr J says Lendable Ltd, trading as Zable, irresponsibly lent to him. What happened Mr J applied for a credit card from Lendable on 5 November 2021. He was approved and given an £800 credit limit. Mr J says he had a gambling addiction which has led to financial dif... (2 pages)View decision -
Decision Reference DRN-2856008
20 Aug 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2856008 The complaint Mr P complains that TSB Bank plc won’t refund payments he didn’t make from his account. What happened Mr P says that his card must have been lost when he was out on 12 March 2020. He had made a balance enquiry and thinks his PIN was seen over his shoulder. He late... (3 pages)View decision -
Decision Reference DRN9454054
29 Aug 2018 Casheuronet UK LLC UpheldBanking and creditMs L complains that CashEuroNet UK LLC, trading as QuickQuid and as Pounds to Pocket, (“CEN”) approved her loan applications without making the correct checks. She complains that this was irresponsible of CEN. Ms L also complains that when she asked for help with her... (8 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 DRN-3126749
9 Sep 2022 National Westminster Bank Plc UpheldConsumer CreditDRN-3126749 The complaint Mr O complains that National Westminster Bank Plc (‘NatWest’) irresponsibly gave him four loans that he couldn’t afford. What happened On 8 January 2018 Mr O applied for and was given a personal loan for £1,000. Each subsequent loan repaid the former loan. On 23 A... (4 pages)View decision -
Decision Reference DRN-3353804
28 Mar 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3353804 The complaint Mrs B says Madison CF UK Limited trading as 118 118 Money (118 118) irresponsibly lent to her. She thinks that, because of the size and term of the loan, 118 118 should have made better checks. If it had done this it would have seen that Mrs B had significant fina... (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 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
