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-5139730
12 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5139730 The complaint Mr M is complaining about NewDay Ltd because he says it lent irresponsibly by providing him with three separate credit cards and increasing the credit limit on each account. What happened Mr M opened the following credit card accounts with NewDay: Aqua – ope... (5 pages)View decision -
Decision Reference DRN-3161114
8 Dec 2021 Buffa Loans Ltd UpheldConsumer CreditDRN-3161114 The complaint Mr M complains that Buffa Loans Ltd (trading as ‘Buffa’) lent to him irresponsibly. What happened This complaint is about loans Buffa provided to Mr M as follows: Loan Date Taken Date Repaid Instalments Amount Highest Repayment 1 4/01/2020 9/03/2020 3 £200.00 £95.... (4 pages)View decision -
Decision Reference DRN-3234467
24 Jan 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3234467 The complaint Mr C complains that Capital One (Europe) plc won’t reimburse him the money he paid to what he says was an investment scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide an overview of some of the key e... (3 pages)View decision -
Decision Reference DRN-2390731
12 Apr 2021 Retail Money Market Ltd Not upheldConsumer CreditDRN-2390731 The complaint Mr N complains that Retail Money Market Ltd trading as RateSetter irresponsibly gave him a fixed sum loan agreement that he couldn’t afford. What happened In May 2016, Mr N applied for a fixed sum loan of £12,000 with RateSetter in order to consolidate his existin... (4 pages)View decision -
Decision Reference DRN-4999786
20 Sep 2024 Evergreen Finance London Limited Not upheldConsumer CreditDRN-4999786 The complaint Mr M complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided him with loans without properly checking his finances. What happened Mr M was granted five loans and a summary of his borrowing can be found below. loan num... (5 pages)View decision -
Decision Reference DRN5751007
23 Aug 2018 Western Circle Limited UpheldBanking and creditMr O complains about the loans he took out with Western Circle Ltd trading as Cashfloat. He says that he had no option but to borrow multiple times due to spiralling debt problems. He says Cashfloat didn’t adequately assess his loan applications, if it did it would’ve... (5 pages)View decision -
Decision Reference DRN0000139
13 Mar 2020 Madison CF UK Limited UpheldBanking and creditComplaintMr H complains that Madison CF UK Limited trading as 118 118 Money acted irresponsibly by lending him money in March 2018.BackgroundThe background to this complaint and my provisional findings are set out in my provisional decision dated 26 February 2020 – a copy of which is attac... (5 pages)View decision -
Decision Reference DRN-4729357
8 Apr 2024 Plata Finance Limited UpheldConsumer CreditDRN-4729357 The complaint Mr W is complaining about Plata Finance Limited because he says it lent to him irresponsibly without carrying out adequate checks into his financial situation. What happened On 2 May 2023, Mr W took out a personal loan with Plata. He borrowed £20,000 over a term o... (5 pages)View decision -
Decision Reference DRN-3550332
14 Dec 2022 Hargreaves Lansdown Asset Management Limited Not upheldPensions and AnnuitiesDRN-3550332 The complaint Mr K says Hargreaves Lansdown Asset Management Limited (trading as Hargreaves Lansdown (‘HL’)) caused him financial losses by restricting his access to (and trading in) his HL Self-Invested Personal Pension (‘SIPP’). He says HL did this without his consent/authori... (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
