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 5478 results
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Decision Reference DRN7490632
22 Jun 2018 MYJAR Limited Not upheldBanking and creditMiss C complains that MYJAR Limited gave her a loan she couldn’t afford to repay.backgroundIn early March 2016, Miss C borrowed £200 from MYJAR. The loan was repayable in three monthly instalments of £105. In late March 2016, Miss C told MYJAR that she was about ... (2 pages)View decision -
Decision Reference DRN1374134
11 May 2018 MYJAR Limited Not upheldBanking and creditMr B complains that MYJAR Limited gave him loans that he couldn’t afford to repay.backgroundMr B was given two loans by MYJAR. Both his loans were scheduled to be repaid in six monthly instalments. The first loan, for £650, was taken in April 2017. Mr B repaid t... (2 pages)View decision -
Decision Reference DRN7468248
21 Aug 2017 Cheque Centres Limited Not upheldBanking and creditMiss C complains that Cheque Centres Limited gave her unaffordable payday loans. She wants a refund of her interest, with interest, the outstanding balance waived and her credit file amended. backgroundMiss C had five loans from Cheque Centres between April and September... (2 pages)View decision -
Decision Reference DRN-2957210
14 Dec 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-2957210 The complaint Mr G complains that Santander UK Plc won’t refund a number of payments made from his account which he says he didn’t make. What happened In September 2020, a number of payments were made out of Mr G’s account which he says he didn’t make. The payments were all mad... (2 pages)View decision -
Decision Reference DRN-5350692
27 Feb 2025 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-5350692 The complaint Mr J has complained that National Westminster Bank Plc (“NatWest”) mis-sold him a fee- paying Reward Black packaged bank account in February 2019. Mr J said that he was told that he had to get the account in order to take out an overdraft. Mr J said that his ea... (3 pages)View decision -
Decision Reference DRN-4663375
3 Apr 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4663375 The complaint Mr B is complaining about Zopa Bank Limited because he says it lent irresponsibly when providing him with a credit card. He says he had a gambling problem for which he’s receiving treatment and he shouldn’t have been given access to further credit. What happened O... (4 pages)View decision -
Decision Reference DRN4379248
13 Feb 2020 Elevate Credit International Limited UpheldBanking and creditMr H says Elevate Credit International Limited (Elevate), trading as Sunny Loans, irresponsibly lent to him.backgroundThis complaint is about 30 loans Elevate provided to Mr H between March 2015 and May 2017. Mr H’s history of borrowing from Elevate is attached to this decision. Our adjudi... (5 pages)View decision -
Decision Reference DRN9105414
4 Jul 2018 Gain Credit LLC UpheldBanking and creditMr M says Gain Credit LLC, trading as Lending Stream, lent to him irresponsibly. He says the loans trapped him into a “debt spiral” and he had to borrow more to repay them. Mr M also says the number of times he borrowed should’ve caused Lending Stream to reali... (4 pages)View decision -
Decision Reference DRN4358147
30 Oct 2017 Nationwide Building Society Not upheldInvestment and pensionsMr H complains that Nationwide Building Society’s advice to invest in a Guaranteed Equity Bond was unsuitable. Mr H is being represented by a claims management company (CMC).backgroundMr H complained that the advice to invest in the World Guaranteed Equity Bond in 1999 ... (2 pages)View decision -
Decision Reference DRN-4440346
11 Jan 2024 Vanquis Bank Limited Not upheldConsumer CreditDRN-4440346 The complaint Mr H complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly gave him a loan that he couldn’t afford. What happened On 12 July 2022, Mr H asked for and was given a loan for £3,000 which had a term of two years. In 2023, Mr H complained to Vanquis to say that... (2 pages)View decision