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-5256766
23 Jan 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5256766 The complaint Mr S complains that Capital One (Europe) plc lent irresponsibly when it approved his credit card application. What happened Mr S applied for a credit card with Capital One in June 2023. In his application, Mr S said he was employed with an income of £32,500. M... (3 pages)View decision -
Decision Reference DRN-3101748
3 Nov 2021 Santander UK Plc UpheldBanking and PaymentsDRN-3101748 The complaint Mr P has complained that Santander UK Plc continued charging him excessive amounts for his overdraft when he was in financial difficulty. What happened Mr P complained to Santander about the overdraft charges that had been applied to his account. Santander didn’t ... (2 pages)View decision -
Decision Reference DRN5304971
11 Apr 2017 Casheuronet UK LLC UpheldBanking and creditMiss F complains that CashEuroNet UK LLC (trading as QuickQuid) lent her money that she could never afford to repay.backgroundIn October 2013, Miss F applied for a Flex loan with QuickQuid. QuickQuid checked Miss F’s income and credit report and agreed to the loan ... (2 pages)View decision -
Decision Reference DRN-4107483
8 Jun 2023 Blue Motor Finance Ltd UpheldConsumer CreditDRN-4107483 The complaint Mr L complains that Blue Motor Finance Ltd irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In September 2018, Mr L acquired a used car financed by a hire purchase agreement from Blue Motor Finance. Mr L was required t... (2 pages)View decision -
Decision Reference DRN-3084119
10 Nov 2021 N.I.I.B. Group Limited Not upheldConsumer CreditDRN-3084119 The complaint Mr M complains that N.I.I.B. Group Limited trading as Northridge Finance irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In January 2016, Mr M acquired a used car financed by a hire purchase agreement from Northridge ... (2 pages)View decision -
Decision Reference DRN9918885
29 Dec 2016 Lending Stream Llc UpheldBanking and creditMr P complains that Lending Stream LLC gave him unaffordable instalment loans. He wants a refund of the interest he paid, with interest, and for the loans to be removed from his credit file.backgroundMr P had 11 instalment loans from Lending Stream between 2013 and 201... (2 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 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
