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 4630 results
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Decision Reference DRN-4541802
25 Jan 2024 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4541802 The complaint Mr M complains Tesco Personal Finance PLC trading as Tesco Bank irresponsibly provided him with unaffordable credit limit increases on his credit card. What happened Mr M was provided with the following credit limits on his credit card with Tesco Bank: Lending dec... (4 pages)View decision -
Decision Reference DRN-4800963
23 May 2024 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4800963 The complaint Mrs K has complained that Tesco Personal Finance PLC trading as Tesco Bank (“Tesco”) didn’t ask for evidence of her income and expenditure before it lent to her, and had it done so, Tesco would’ve discovered the loan was unaffordable for her. What happened Mrs K w... (4 pages)View decision -
Decision Reference DRN-3124514
6 Dec 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-3124514 The complaint Mr R complained that Loans 2 Go Limited lent to him irresponsibly and provided him with loans that were unaffordable. What happened Loans 2 Go provided loans to Mr R as follows: Date taken Amount Term Monthly repayment Date repaid 6 August 2019 £500 18 months £114... (5 pages)View decision -
Decision Reference DRN3885387
12 Mar 2019 Casheuronet UK LLC UpheldBanking and creditMr V complains about a total of 8 payday loans CashEuroNet UK LLC (trading as QuickQuid) gave to him. Mr V has said the loans were unaffordable.backgroundI issued a provisional decision on this complaint on 25 February 2019. In my provisional decision, I set out a deta... (9 pages)View decision -
Decision Reference DRN-4320218
11 Mar 2024 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-4320218 The complaint Mr A has complained that The Co-operative Bank Plc (‘The Co-op’) blocked his account without providing a reason why. He wants his account reopened and for the funds that were in it to be returned to him. What happened In November 2022 Mr A called The Co-op in orde... (3 pages)View decision -
Decision Reference DRN-4049988
28 Apr 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4049988 The complaint Mr F complains that HSBC UK Bank Plc refuses to refund the money he lost to an investment scam. What happened Around November 2017, Mr F was searching for a merchant that would allow him to invest in Bitcoin. He came across Greenfields Capital (‘GC’) and was inter... (6 pages)View decision -
Decision Reference DRN3590889
26 Jul 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr A complains that CURO TRANSATLANTIC LIMITED (trading as Wage Day Advance) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file.backgroundMr A took out 15 loans between ... (3 pages)View decision -
Decision Reference DRN0843343
30 Dec 2016 WDFC UK Limited UpheldBanking and creditMr M complains that WDFC UK Limited, trading as Wonga, gave him loans he couldn’t afford to repay. He asks that Wonga refunds interest and charges and pays compensation for the way it handled the situation when he couldn’t repay the loans.backgroundMr M took out 21 loa... (3 pages)View decision -
Decision Reference DRN-3284264
2 Feb 2022 TFS Loans Limited UpheldConsumer CreditDRN-3284264 The complaint Ms H has complained that TFS Loans Limited (“TFS Loans”) provided her with an unaffordable loan. What happened TFS Loans provided Ms H with a loan of £4000 in March 2015. This loan had a 36-month term with a monthly repayment amount of £193.61. This all meant the ... (3 pages)View decision -
Decision Reference DRN8758844
25 Oct 2016 Inventive Finance Limited UpheldBanking and creditMr N has complained about short-term loans granted to him by Inventive Finance Limited trading as Ladder Loans (“Ladder Loans” or “the lender”).backgroundLadder Loans agreed two loans for Mr N in 2012. Mr N says these loans were unaffordable for him. And that Ladder Loa... (3 pages)View decision
