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 DRN-5236140
10 Jan 2025 Gain Credit LLC Not upheldConsumer CreditDRN-5236140 The complaint Mr F complaints that Gain Credit LLC trading as Drafty (“Drafty”) gave him a line of credit without carrying out the appropriate affordability checks. Had further checks been made such as reviewing his bank statements, Mr F says Drafty wouldn’t have lent to him... (4 pages)View decision -
Decision Reference DRN-2804068
10 May 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2804068 The complaint Mr Y complains that four personal loans provided to him by Loans 2 Go Limited, trading as Loans 2 Go, (“L2G”), were unaffordable What happened Mr Y was given four loans by L2G from May 2019 to August 2019. The loans have been repaid. A summary of Mr Y’s borrowing... (7 pages)View decision -
Decision Reference DRN7090440
10 Feb 2020 Virgin Money plc Not upheldBanking and creditMr M has complained Virgin Money plc won’t refund numerous disputed transactions which he didn’t authorise.backgroundMr M didn’t bank online and only received paper statements for his account with Virgin on a quarterly basis. He went to a Virgin branch to withdraw money and found his accou... (3 pages)View decision -
Decision Reference DRN1389949
3 Sep 2018 Casheuronet UK LLC Not upheldBanking and creditMr H complains about the loans he took out with CashEuroNet UK LLC trading as QuickQuid. He says that he became reliant on these loans and he needed to keep borrowing to balance his finances. He thinks QuickQuid’s credit checks should’ve shown this and it shouldn’t h... (3 pages)View decision -
Decision Reference DRN-5181613
3 Dec 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-5181613 Complaint Miss F complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with her. She’s said the monthly payments to the agreement were unaffordable and so she shouldn’t have been accepted for it. Background In July 2022, S... (5 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 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-3874882
6 Feb 2023 Commsave Credit Union Limited UpheldConsumer CreditDRN-3874882 The complaint Mr W complains that Commsave Credit Union (“Commsave”) lent to him irresponsibly. What happened Mr W took out a series of loans with Commsave from January 2015 to October 2021. Some of these were regular unsecured loans, others were revolving credit arrangements w... (4 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-4291164
10 Jan 2024 PDL Finance Limited UpheldConsumer CreditDRN-4291164 The complaint Mr S complains that PDL Finance Limited trading as Mr Lender irresponsibly lent to him. He has said had proper checks been carried out the lender would have seen he had a gambling problem and wouldn’t have lent to him. What happened Mr Lender lent Mr S three insta... (3 pages)View decision
