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 4648 results
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Decision Reference DRN2270979
8 Jan 2014 Bank of Scotland Plc Not upheldBanking and creditK complains through its directors that Bank of Scotland plc (trading in this instance as Halifax) failed to identify fraudulent activity on the account of one its customers, and that this caused K loss. backgroundK employed Mr D as its bookkeeper. Mr D arranged fraudulent transfers from ... (1 page)View decision -
Decision Reference DRN5160437
12 Dec 2014 Tesco Personal Finance PLC Not upheldBanking and creditMr C complains about the way in which Tesco Personal Finance PLC has charged interest on his credit card account. backgroundMr C used his credit card for a couple of gambling transactions in early 2014. These transactions are deemed to be cash advances. Mr C says he was aware of this, s... (2 pages)View decision -
Decision Reference DRN1029138
23 Mar 2020 Tesco Personal Finance PLC Not upheldBanking and creditMr S complains that Tesco Personal Finance PLC (trading as Tesco Bank) charged him a cash transaction fee (and interest) on a credit card purchase.backgroundIn January 2019 Mr S bought a product on credit. He paid a deposit of £129 with his Tesco credit card, and agreed to pay the balance ... (2 pages)View decision -
Decision Reference DRN3793623
16 Oct 2018 PDL Finance Limited UpheldBanking and creditMr R complains that PDL Finance Limited, trading as Mr Lender, gave him loans which trapped him in a spiral of debt and he couldn’t afford to pay them back.backgroundMr R borrowed five times from Mr Lender, as follows: loan numberdate takenamount borrowedrepayment term... (3 pages)View decision -
Decision Reference DRN-3022423
22 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3022423 The complaint Mrs S complains about NewDay Ltd trading as Aqua’s (“Aqua”) decision to increase her credit limit. What happened Mrs S was accepted for a credit card by Aqua in June 2019 and given an initial credit limit of £450. Mrs S says she used this account for gambling and... (3 pages)View decision -
Decision Reference DRN7379645
17 Nov 2016 Casheuronet UK LLC UpheldBanking and creditMr C complains that CashEuroNet UK LLC (trading as QuickQuid) gave him loans that he couldn’t afford to repay.backgroundMr C took his first loan from QuickQuid in July 2011. The loan was for £400. It appears that he rolled that loan over three times before repayi... (3 pages)View decision -
Decision Reference DRN3223977
27 Sep 2018 Uncle Buck Finance LLP UpheldBanking and creditMr F complains that Uncle Buck Finance LLP (Uncle Buck) gave him loans that he couldn’t afford to repay.backgroundMr F was given five loans by Uncle Buck between May and December 2015. The first two loans were repayable the following month. The remaining three loans ... (3 pages)View decision -
Decision Reference DRN8883177
18 Sep 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr H complains that CURO TRANSATLANTIC LIMITED, trading as WageDay Advance, gave him loans he couldn’t afford to repay. backgroundMr H took out the following loans with WageDay Advance:date£ amount borroweddate repaid12 November 20118015 November 2011228 November 201123015 D... (3 pages)View decision -
Decision Reference DRN-4330789
3 Nov 2023 National Westminster Bank Plc Not upheldConsumer CreditDRN-4330789 The complaint Mrs D complains that National Westminster Bank Plc (‘NatWest’) irresponsibly gave her a loan that she couldn’t afford. What happened In December 2020, Mrs D applied for a loan with NatWest for the stated purpose of consolidating other debt. She was given a loan of... (3 pages)View decision -
Decision Reference DRN4789036
1 Aug 2019 Moneybarn No. 1 Limited Not upheldBanking and creditMr B complains that Moneybarn No.1 Limited (Moneybarn) acted irresponsibly when it lent him money to buy a car, and that now the loan is in default, he’s being asked to repay more than he owes.backgroundMr B entered into a conditional sale agreement with Moneybarn in 2016. He was to pay ab... (3 pages)View decision
