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 4764 results
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Decision Reference DRN0540629
24 Jan 2014 Barclays Bank Plc Not upheldBanking and creditMr C complains that Barclays Bank plc will not refund a number of card transactions which he says he neither made nor authorised. backgroundA number of disputed transactions were made on Mr C’s credit card account. They included point of sale payments (that is, at shops and petrol ... (2 pages)View decision -
Decision Reference DRN1664834
7 Mar 2017 Cfo Lending Limited UpheldBanking and creditMr W complains that CFO Lending Limited gave him loans he couldn’t afford to pay back. backgroundMr W took out nine loans with CFO lending. Some of the loans were deferred and Mr W hasn’t yet repaid the last loan. date takenamountDeferrals/top upsDate repaid10 November... (3 pages)View decision -
Decision Reference DRN-3894380
1 Feb 2023 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3894380 The complaint Mr C complains that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) didn’t support him as a vulnerable customer. What happened Mr C had a credit card from Tesco. Between August 2019 and September 2022, the limit was £9,500. In June 2022, he was charged a... (3 pages)View decision -
Decision Reference DRN1499237
23 Jan 2020 Emergency Cash Limited UpheldBanking and creditMr C says Emergency Cash Limited, trading as wizzcash.com (“ECL”) irresponsibly lent to him.backgroundThis complaint is about three instalment loans ECL provided to Mr C between March 2015 and October 2016. Mr C’s borrowing history is as follows:Mr C has said he should not have been given ... (3 pages)View decision -
Decision Reference DRN-3192972
7 Mar 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3192972 The complaint Mr F complained that Madison CF UK Limited trading as 118 118 Money lent to him irresponsibly and provided him with an unaffordable loan. What happened Mr F was given a loan by 118 118 Money as follows: Loan start date Loan amount Monthly repayment Total amount pa... (3 pages)View decision -
Decision Reference DRN-3236519
27 Jan 2022 MBNA Limited UpheldBanking and PaymentsDRN-3236519 The complaint Mr L has complained that MBNA Limited was irresponsible in lending to him. What happened In 2016, Mr L took out a credit card with MBNA for £10,000. The limit was increased to £13,000 over the following 18 months. The account was later closed. In 2021, Mr L compla... (3 pages)View decision -
Decision Reference DRN-2443522
16 Jun 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2443522 The complaint Mr M complains that Vanquis Bank Limited should have monitored his account more closely to prevent him from entering a cycle of debt. What happened Mr M initially complained about irresponsible lending by Vanquis when it provided him with a credit card account and... (3 pages)View decision -
Decision Reference DRN1690828
1 Aug 2019 Uncle Buck Finance LLP Not upheldBanking and creditMiss E complains that Uncle Buck Finance LLP gave her loans that she couldn’t afford to repay. She asks that it refunds interest and charges and removes information about the loans from her credit file.backgroundMiss E took out seven loans with Uncle Buck between August 2014 and October 20... (3 pages)View decision -
Decision Reference DRN7279552
13 Dec 2016 PDL Finance Limited UpheldBanking and creditMiss S complains that PDL Finance Limited, trading as Mr Lender (PDL), gave her five instalment loans that were unaffordable.backgroundMiss S took five instalment loans with PDL between 28 May 2015 and 15 December 2015. date taken principal amount borrowed £ term of loan... (3 pages)View decision -
Decision Reference DRN-2772561
12 May 2021 Madison CF UK Limited Not upheldConsumer CreditDRN-2772561 The complaint Miss B complains that Madison CF UK Limited (trading as 118 118 Money) acted irresponsibly by granting her a loan that was unaffordable for her. What happened In October 2017, Miss B took out a loan with Madison for £2,000. It was to be paid back over 18 months in... (3 pages)View decision
