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 5125 results
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Decision Reference DRN6411021
20 Jul 2017 Instant Cash Loans Limited UpheldBanking and creditMr B complains about instalment loans he took out with Instant Cash Loans Limited (trading as Payday UK) which he says shouldn’t have been given to him because the loans weren’t affordable. background A summary of Mr B’s borrowing history is as follows; loan numberloa... (3 pages)View decision -
Decision Reference DRN-5029893
13 Nov 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5029893 The complaint Miss E complains that Barclays Bank UK PLC did not refund a series of payments she says she does not recognise. What happened Miss E says she downloaded an app to her phone in order to gamble, but later realised it was a scam app that had hacked her phone. As a... (4 pages)View decision -
Decision Reference DRN7278804
31 Mar 2017 Casheuronet UK LLC UpheldBanking and creditMr B has complained about a number of payday loans and a flex account he took out with CashEuroNet UK LLC (trading as Quick Quid) from June 2010 until December 2014. He says that the Quick Quid loans weren’t affordable and so it shouldn’t have lent to him. background... (7 pages)View decision -
Decision Reference DRN-5725040
4 Aug 2025 FirstRand Bank Limited Not upheldConsumer CreditDRN-5725040 Complaint Mrs L complains that FirstRand Bank Limited (trading as “MotoNovo Finance”) unfairly entered into a hire-purchase agreement with her. She’s said that the proper checks weren’t carried out which led to her being provided with finance that was unaffordable and that t... (5 pages)View decision -
Decision Reference DRN3309845
16 Feb 2016 Barclays Bank Plc Not upheldBanking and creditMr P complains that Barclays Bank PLC lent to him irresponsibly.backgroundMr P took out a loan with Barclays in July 2014. A few months later, he wanted to increase his overdraft by £1,000. But Barclays wasn’t willing to do this. Instead, it offered him a loan which re... (3 pages)View decision -
Decision Reference DRN-1079340
14 May 2020 PDL Finance Limited UpheldConsumer CreditDRN-1079340 The complaintMiss D complains that PDL Finance Limited (trading as Mr Lender) irresponsibly lent to her.BackgroundMiss D was given five loans by Mr Lender between February 2015 and May 2016. A summary of her borrowing is as follows: LoanDate TakenDate Repaid InstalmentsAmountMa... (3 pages)View decision -
Decision Reference DRN8051586
24 Jan 2019 Casheuronet UK LLC UpheldBanking and creditMs A says CashEuroNet UK LLC, trading as QuickQuid, lent to her irresponsibly.backgroundI sent both parties my provisional decision on this complaint on 9 January 2019. A copy of it is attached and it forms part of this final decision. The full background to the... (7 pages)View decision -
Decision Reference DRN-3447382
26 Apr 2022 Bank of Scotland Plc UpheldConsumer CreditDRN-3447382 The complaint Miss M complains that Bank of Scotland plc trading as Halifax gave her a loan that she couldn’t afford, without carrying out proper checks. What happened In April 2018, Miss M took out a loan with Halifax for £6,000 over four years with an interest rate of 28.7% A... (3 pages)View decision -
Decision Reference DRN-2495797
23 Feb 2021 Avantcredit Of Uk, Llc Not upheldConsumer CreditDRN-2495797 Complaint Mr H has complained about loans AvantCredit of UK, LLC (trading as “Avant Credit”) provided to him. He says he had a gambling addiction and had no way of paying his loan back. Background Avant Credit provided Mr H with a loan of £1,400.00 in April 2016. This loan was ... (3 pages)View decision -
Decision Reference DRN-3550228
22 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3550228 The complaint Mr M complains that NewDay Ltd trading as Marbles Card irresponsibly provided him with a credit card for which he was unable to afford the repayments. What happened Mr M applied for a credit card with NewDay in December 2019. It accepted it and provided him with a... (3 pages)View decision
