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 DRN9005742
27 Oct 2017 Bamboo Limited Not upheldBanking and creditMiss P complains that Bamboo Limited mis-sold her a loan she could not afford.backgroundIn January 2017 Miss P applied to Bamboo for a loan of £10,000. It offered her £5,000 and she took it. This loan was guaranteed by a third party and was to be repaid over five y... (2 pages)View decision -
Decision Reference DRN-2495797
23 Feb 2021 Avantcredit Of Uk, Llc Not upheldConsumer CreditDRN-2495797 Complaint Mr H has complained about loans AvantCredit of UK, LLC (trading as “Avant Credit”) provided to him. He says he had a gambling addiction and had no way of paying his loan back. Background Avant Credit provided Mr H with a loan of £1,400.00 in April 2016. This loan was ... (3 pages)View decision -
Decision Reference DRN5768333
6 Dec 2019 Provident Personal Credit Limited UpheldBanking and creditComplaintMr K complains that Provident Personal Credit Limited (trading as Satsuma Loans) lent money to him that he couldn’t afford to repay.BackgroundBased on the information, Satsuma Loans provided Mr K with three instalment loans between March and September 2018. LoanDateRepaidInstalmen... (3 pages)View decision -
Decision Reference DRN-3550228
22 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3550228 The complaint Mr M complains that NewDay Ltd trading as Marbles Card irresponsibly provided him with a credit card for which he was unable to afford the repayments. What happened Mr M applied for a credit card with NewDay in December 2019. It accepted it and provided him with a... (3 pages)View decision -
Decision Reference DRN-2870528
19 Apr 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2870528 The complaint Ms B has complained that Vanquis Bank Limited acted irresponsibly when it provided her with a credit card in February 2018. Background Ms B applied for, and was given, a credit card from Vanquis in February 2018. She has told us that at this time she was gambling ... (2 pages)View decision -
Decision Reference DRN-3499944
7 Jun 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3499944 The complaint Mr C says that Lloyds Bank PLC (“Lloyds”) acted irresponsibly by allowing him to increase his overdraft limit to £5,000. He says Lloyds failed to carry out the correct credit checks. What happened One of our adjudicators looked into Mr C’s concerns and didn’t thin... (3 pages)View decision -
Decision Reference DRN0088763
19 Nov 2019 IG Markets Limited Not upheldInvestment and pensionsMr J is complaining that IG Markets Limited (“IG”) closed a number of positions on his spread betting account at incorrect prices on 17 April 2018. Mr J has also complained that he had previously closed his account in November 2016 and it shouldn’t have been reactivated in January 2018. He... (2 pages)View decision -
Decision Reference DRN-3447382
26 Apr 2022 Bank of Scotland Plc UpheldConsumer CreditDRN-3447382 The complaint Miss M complains that Bank of Scotland plc trading as Halifax gave her a loan that she couldn’t afford, without carrying out proper checks. What happened In April 2018, Miss M took out a loan with Halifax for £6,000 over four years with an interest rate of 28.7% A... (3 pages)View decision -
Decision Reference DRN8537628
12 Dec 2018 Casheuronet UK LLC UpheldBanking and creditMr S complains CashEuroNet UK LLC (trading as QuickQuid) lent to him irresponsibly.backgroundMr S took eight loans with QuickQuid between October 2016 and December 2017. I’ve set out some of the information we’ve received about these loans in the table below:Loan DateDa... (4 pages)View decision -
Decision Reference DRN5203624
20 Oct 2016 MEM Consumer Finance Limited UpheldBanking and creditMr C complains that MEM Consumer Finance Limited (trading as Payday UK) agreed to give him three loans that he couldn’t afford to repay.backgroundMr C first borrowed from Payday UK in May 2013 – the loan was for £450. A couple of days after repaying that loan, in Jun... (2 pages)View decision
