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 5125 results
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Decision Reference DRN-4819491
19 Aug 2024 TSB Bank plc Not upheldConsumer CreditDRN-4819491 The complaint Miss G complains that TSB Bank plc lent to her irresponsibly. Miss G says that TSB should have known from the transactions on her current account and her credit card that she was gambling and so not lent to her. Miss G also complains about a telephone call she ... (8 pages)View decision -
Decision Reference DRN-4348873
17 Oct 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4348873 The complaint Mrs W complains that Vanquis Bank Limited irresponsibly lent to her. What happened Mrs W applied for a credit card from Vanquis in September 2014. It gave her a £250 credit limit and increased this to £500 in March 2015 and to £1,500 in March 2017. Vanquis upheld ... (2 pages)View decision -
Decision Reference DRN-4469458
18 Mar 2024 Equifinance Limited UpheldMortgagesDRN-4469458 The complaint Miss C and Mr T complain that Equifinance Limited irresponsibly lent them a second charge mortgage (secured loan) which was unaffordable for them. What happened Miss C and Mr T took out a secured loan with Equifinance in 2017. They borrowed £20,000 plus around £3,... (3 pages)View decision -
Decision Reference DRN-3817685
23 Jun 2023 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-3817685 The complaint Mr M complains that Monzo Bank Ltd won’t refund money he lost as a result of a scam. What happened Mr M says he regularly receives text messages advertising loans and prize draws. He decided to follow a link contained within one of those messages – which claimed h... (3 pages)View decision -
Decision Reference DRN-1436165
7 May 2020 Elevate Credit International Limited UpheldConsumer CreditDRN-1436165 The complaintMr B says Elevate Credit International Limited, trading as Sunny (“Sunny”), irresponsibly lent to him. Mr B has told us he had a gambling problem which caused him to get into a cycle of debt. What happenedThis complaint is about ten short-term loans Sunny provided ... (4 pages)View decision -
Decision Reference DRN-2210209
9 Jul 2021 Advancis Limited UpheldConsumer CreditDRN-2210209 The complaint Mr G complained that Advancis Limited trading as Buddy Loans acted irresponsibly when it accepted him as guarantor for a loan. What happened In December 2018, Mr G entered into a guarantee and indemnity agreement in respect of a loan for £8,000 that Buddy Loans pr... (4 pages)View decision -
Decision Reference DRN9412016
20 Aug 2019 Evolution Lending Limited Not upheldBanking and creditThis complaint is about a secured loan of £5,000 Mr C took out in 2013 with Evolution Lending Limited. Mr C says Evolution failed to do adequate checks into his financial circumstances, and had it been more thorough, it would have rejected his application. He’d like to be put in the positi... (4 pages)View decision -
Decision Reference DRN-2981100
31 Aug 2021 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2981100 The complaint Mr M said that Capital One (Europe) plc trading as Capital One lent him money through two credit card accounts, which he said he couldn’t afford to pay back. But when he complained, it only refunded the interest he paid on one. He wanted the other card refunded to... (3 pages)View decision -
Decision Reference DRN-3352072
26 May 2022 Everyday Loans Limited Not upheldConsumer CreditDRN-3352072 The complaint Mr B is unhappy that Everyday Loans Limited agreed to a loan he’d applied for as he said it was unaffordable for him. What happened In June 2019, Mr B took out a £5,100 loan with Everyday, to be repaid over 24 months with repayments of £336.45 a month. Mr B said t... (4 pages)View decision -
Decision Reference DRN6334859
18 Dec 2017 Casheuronet UK LLC Not upheldBanking and creditMr B complains that CashEuroNet UK LLC (trading as Pounds to Pocket) gave him a loan that he couldn’t afford.backgroundMr B took out a loan for £700 with Pounds to Pocket in November 2012. The loan was due to be repaid by 12 monthly instalments of £102.35 each.Mr B sa... (3 pages)View decision
