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
-
Decision Reference DRN-4473664
23 Nov 2023 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4473664 The complaint Miss W is complaining about Moneybarn No.1 Limited (Moneybarn). She says they shouldn’t have lent to her as the loan was unaffordable. Miss M’s complaint was brought to our service by a representative but for ease I’ve written as if we’ve dealt directly with her.... (4 pages)View decision -
Decision Reference DRN-4381172
3 Oct 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4381172 The complaint Miss M has complained that Barclays Bank UK PLC, trading as Barclaycard (“Barclays”), irresponsibly granted her a credit card account, and subsequently increased her credit limit, which she couldn’t afford to repay. What happened Miss M took out a credit card with... (4 pages)View decision -
Decision Reference DRN4861087
15 Feb 2019 Instant Cash Loans Limited Not upheldBanking and creditMr T complains about a loan he took out with Instant Cash Loans Limited, trading as Payday Express, (“ICL”). He said that ICL shouldn’t have given him the loan as it was unaffordable. backgroundMr T took out a loan for £1,250 with ICL on 13 May 2016. The loan was ... (3 pages)View decision -
Decision Reference DRN3959208
5 Nov 2018 Clydesdale Bank Plc Not upheldBanking and creditMrs E’s complaint is about the charges she’s paid for an overdraft on a new account that Clydesdale Bank Plc (Clydesdale) set up for her in 2016. Mrs E says that she already had an overdrawn account with Clydesdale at that time and it shouldn’t have given her anoth... (3 pages)View decision -
Decision Reference DRN6835838
20 Apr 2017 Instant Cash Loans Limited UpheldBanking and creditMiss C complains that Instant Cash Loans Limited (trading as Payday Express) made short- term loans to her when it shouldn’t have.backgroundMiss C had Payday Express loans before and after February 2015. After that date, Instant Cash Loans Limited has traded as Payda... (3 pages)View decision -
Decision Reference DRN5667799
15 Mar 2018 Avantcredit Of Uk, Llc Not upheldBanking and creditMr B complains that AvantCredit of UK, LLC (Avant) provided him with a loan when he had a lot of other outstanding debts. He says he could not afford the loan repayments.backgroundMr B took out a loan with Avant in April 2016 for £4,000. The loan was repayable ov... (3 pages)View decision -
Decision Reference DRN-2578508
22 Feb 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2578508 The complaint Mr B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card then later increased the credit limit. What happened In December 2014 Mr B applied for a credit card with Aqua. Mr B’s application said he was a tenant, employed ear... (3 pages)View decision -
Decision Reference DRN-4589091
26 Feb 2024 Bank of Ireland (UK) Plc UpheldConsumer CreditDRN-4589091 The complaint Mr S says Bank of Ireland (UK) Plc (BOI) irresponsibly lent to him. What happened BOI agreed a loan for Mr S in May 2019. The loan was for £17,500 to be repaid in monthly instalments of £383.08 over five years, and the total amount owed was £22,984.80. Mr S says t... (3 pages)View decision -
Decision Reference DRN3705317
15 Dec 2018 Instant Cash Loans Limited Not upheldBanking and creditMr B complains about two loans he took out with Instant Cash Loans Limited, trading as Payday UK, (“ICL”). He said that ICL shouldn’t have given him the loans as they were unaffordable. The complaint is brought to this service on Mr B’s behalf by a claims management ... (3 pages)View decision -
Decision Reference DRN-3374981
23 May 2022 PayPal (Europe) Sarl et Cie SCA Not upheldBanking and PaymentsDRN-3374981 The complaint Mr B complains about PayPal (Europe) Sarl et Cie SCA and their decision to permanently restrict his account without providing an explanation. Mr B is also unhappy as he believes PayPal have shared this information with other companies. What happened Mr B held a Pa... (4 pages)View decision
