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 5443 results
-
Decision Reference DRN-3521004
22 Jun 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3521004 The complaint Miss R complains that National Westminster Bank Plc (“NatWest”) allowed her account to become overdrawn and says that as her balance showed she was in credit she spent money she didn’t have. What happened Miss R held a bank account with NatWest there was no arrang... (2 pages)View decision -
Decision Reference DRN6251036
10 Nov 2017 Casheuronet UK LLC UpheldBanking and creditMr E complains that CashEuroNet UK LLC (trading as Pounds to Pocket) gave him a loan that he couldn’t afford.backgroundMr E took out a loan for £850 with Pounds to Pocket in 2012. The loan was due to be repaid by 11 monthly instalments of around £134 each.Mr E beli... (2 pages)View decision -
Decision Reference DRN-5900727
4 Feb 2026 Western Circle Ltd Not upheldConsumer CreditDRN-5900727 The complaint Western Circle Ltd trading as Cashfloat (‘Cashfloat’) provided Mr H with a loan in August 2024. The loan was a short-term loan of £300 to be repaid over three months. The loan ran to term. Mr H says the credit was provided irresponsibly. What happened The deta... (2 pages)View decision -
Decision Reference DRN8585684
6 Oct 2017 MEM Consumer Finance Limited UpheldBanking and creditMs C has complained about several loans granted to her by MEM Consumer Finance Limited trading as Payday UK (“Payday UK”). She’s said the loans were unaffordable for her.backgroundI issued my provisional decision in September 2017, a copy of which is attached and form... (4 pages)View decision -
Decision Reference DRN3501286
12 Dec 2019 Amigo Loans Ltd Not upheldBanking and creditMr D complains Amigo Loans Ltd discussed his loan account with an unauthorised third party, which in turn caused his mental wellbeing to suffer. background Mr D took out a guarantor loan with Amigo and his brother stands as the guarantor. Amigo took a phone call from a third party claimin... (2 pages)View decision -
Decision Reference DRN-4293722
10 Jan 2024 My Finance Club Limited Not upheldConsumer CreditDRN-4293722 The complaint Mr S complains that My Finance Club Limited (“MFC”) irresponsibly lent to him. He says had better checks been carried out, the loans won’t have been lent. What happened MFC lent Mr S two loans in July 2022. From the information provided, the lending history was as... (2 pages)View decision -
Decision Reference DRN-3272586
24 Jan 2022 Bamboo Limited UpheldConsumer CreditDRN-3272586 The complaint Mr S complains about two loans from Bamboo Limited, trading as Bamboo Loans, (“Bamboo”), which he says were unaffordable. What happened Mr S was given two loans by Bamboo. Loan 1 was for £5,000 and was taken out in March 2019. Loan 2 was for £5,200 and was taken o... (8 pages)View decision -
Decision Reference DRN-3907646
30 Jan 2023 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3907646 The complaint Mr K complains that Capital One (Europe) plc lent to him irresponsibly when it approved two credit cards. What happened Mr K applied for a credit card with Capital One in July 2021. Capital One approved the application and gave Mr K a credit card with a credit lim... (3 pages)View decision -
Decision Reference DRN-4528375
13 Feb 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4528375 The complaint Mr N has complained that Santander UK Plc acted irresponsibly by providing, and increasing the limit on, an overdraft. He complains that Santander acted unfairly by continuing to apply charges to his account when he was in financial difficulty. Mr N is represented... (3 pages)View decision -
Decision Reference DRN4269966
23 Sep 2020 Loans 2 Go Limited Not upheldBanking and creditMr M complains about a loan Loans 2 Go Limited lent to him. Mr M says he was vulnerable at the time and couldn’t afford the loan. backgroundMr M took out a loan with Loans 2 Go in February 2016. The loan was for £500 secured against Mr M’s car. The loan was due to be repaid over 12 monthly... (2 pages)View decision