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-4838431
14 Jun 2024 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4838431 Complaint Mrs W has complained about a credit card Clydesdale Bank Plc (trading as “Virgin Money”) provided to her. She says she shouldn’t have been provided with a credit card as it was unaffordable due to other debts that she already held. Background Virgin Money provided Mrs... (3 pages)View decision -
Decision Reference DRN1593021
3 Oct 2017 WDFC UK Limited UpheldBanking and creditMr A complains that WDFC UK Limited (trading as Wonga) lent money to him that he could not afford to repay.backgroundMr A entered into 25 loans with Wonga between June 2011 and January 2014.Mr A says that he needed to borrow because he did not have enough money to... (3 pages)View decision -
Decision Reference DRN-4973433
10 Sep 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4973433 The complaint Mr J complains that Vanquis Bank Limited lent irresponsibly when it approved his application for a credit card and later increased the credit limit. What happened Mr J applied for a credit card with Vanquis in March 2017. Vanquis approved the application and ga... (3 pages)View decision -
Decision Reference DRN-1639815
17 Jun 2020 MYJAR Limited UpheldConsumer CreditDRN-1639815The complaintMr I complains that MYJAR Limited lent to him in an irresponsible manner.What happenedMr I took out three loans with MYJAR between May 2017 and May 2018. The loans were repayable in instalments. All of the loans have been repaid. Our investigator looked into this co... (3 pages)View decision -
Decision Reference DRN-3416753
9 Sep 2022 1plus1 Loans Limited Not upheldConsumer CreditDRN-3416753 The complaint Mr L complains 1Plus1 Loans Limited irresponsibly approved him for two loans. Mr L is represented by a claims management company. For ease; I’ll refer to all submissions as if they were made directly by Mr L. What happened 1Plus1 Loans approved Mr L for the follow... (3 pages)View decision -
Decision Reference DRN-3368977
21 Apr 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3368977 The complaint Ms H says AvantCredit of UK, LLC lent to her irresponsibly. What happened Ms H took out a 48-month instalment loan for £3,000 from AvantCredit on 10 June 2015. The monthly repayments were £154.01 and the total repayable was £7,392.36. Ms H says she gave AvantCredi... (3 pages)View decision -
Decision Reference DRN-5072869
23 Jan 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5072869 The complaint Mr H complains that HSBC UK Bank Plc trading as First Direct unfairly reported a missed payment on his credit file as a result of being in an unarranged overdraft. What happened Mr H has a bank account with First Direct. He was unhappy to discover a missed paym... (3 pages)View decision -
Decision Reference DRN-5076186
13 Nov 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-5076186 The complaint Miss R complains that Specialist Motor Finance Limited (SMFL) was irresponsible in its lending to her. She wants all interest, fees and charges she paid under her hire purchase agreement refunded along with statutory interest. What happened SMFL provided Miss R... (3 pages)View decision -
Decision Reference DRN-1855993
22 Jun 2020 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-1855993 The complaintMr G complains that Creation Consumer Finance Ltd mis-sold him a £20,000 loan without checking that he could afford it. What happenedIn December 2018 Mr G borrowed £20,000 from Creation. He was to repay £438 a month for five years. He made one repayment, and then s... (3 pages)View decision -
Decision Reference DRN-4952878
7 Aug 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4952878 The complaint Mr W has complained that Barclays Bank UK PLC won’t refund transactions he alternately said he either didn’t authorise, or did authorise but as part of a scam. What happened Across several weeks in autumn 2023, a series of card payments were made from Mr W’s Ba... (3 pages)View decision
