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
-
Decision Reference DRN7234119
3 Apr 2019 Gain Credit LLC UpheldBanking and creditMr D complains about eight instalment loans that he took out with Gain Credit LLC, tradingas Lending Stream, (“LS”). He said, in summary, that LS shouldn’t have given him the loansas they were unaffordable.backgroundMr D took out eight instalment loans with LS and th... (7 pages)View decision -
Decision Reference DRN-4074097
23 Jun 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4074097 The complaint Mrs M, through her representative, complains that Valour Finance Limited, trading as Savvy.co.uk (Valour) lent to her when she could not afford it. What happened Mrs M took one loan with Valour in November 2018 for £550. The interest payable was £549.92 and so the... (3 pages)View decision -
Decision Reference DRN2679773
28 Jun 2013 National Westminster Bank Plc Not upheldBanking and creditMr K says National Westminster Bank Plc is wrong to hold him responsible for transactions in favour of a company offering gambling services. The transactions were apparently made using his computer and security information, including a secure password. Mr K says his computer was hacked... (1 page)View decision -
Decision Reference DRN8000753
25 Jun 2018 Casheuronet UK LLC UpheldBanking and creditMr R complains that CashEuroNet UK LLC (trading as QuickQuid and Pounds to Pocket) gave him loans that he couldn’t afford to repay.backgroundMr R was given 21 loans and a flexible credit facility by QuickQuid. Mr R was also given 5 instalment loans by Pounds to P... (3 pages)View decision -
Decision Reference DRN3206070
30 Jan 2019 Amigo Loans Ltd Not upheldBanking and creditMrs H complains that Amigo Loans Ltd lent money to her that she could not afford to repay. backgroundMrs H entered into two loans with Amigo Loans one in 2012 and the second in 2016. This complaint relates to her 2016 loan.Mrs H says that the loan was unaffordab... (3 pages)View decision -
Decision Reference DRN5778470
12 Feb 2019 Barclays Bank UK PLC Not upheldBanking and creditMr H is unhappy that Barclays Bank Plc has recorded a fraud marker against him and won’t remove it.backgroundMr H had served in the army for a number of years. He returned to the UK and suffered with mental health problems, including PTSD. He found himself fall ... (3 pages)View decision -
Decision Reference DRN4755973
31 Oct 2017 Apfin Ltd UpheldBanking and creditMr Y complains about payday loans taken with Apfin LTD (trading as cashasap) which he says were unaffordable, so the loans shouldn’t have been given to him.backgroundA summary of Mr Y’s borrowing history can be found in the appendix at the end of this decision. Our ... (6 pages)View decision -
Decision Reference DRN6368874
17 Oct 2017 Lending Stream Llc UpheldBanking and creditMr P complains that Lending Stream LLC wrongly lent him money he couldn’t afford to pay back.backgroundMr P took out 28 short term loans with Lending Stream between August 2012 and August 2015. Most of these were repayable over six months (see appendix). He said tha... (4 pages)View decision -
Decision Reference DRN-3374981
23 May 2022 PayPal (Europe) Sarl et Cie SCA Not upheldBanking and PaymentsDRN-3374981 The complaint Mr B complains about PayPal (Europe) Sarl et Cie SCA and their decision to permanently restrict his account without providing an explanation. Mr B is also unhappy as he believes PayPal have shared this information with other companies. What happened Mr B held a Pa... (4 pages)View decision -
Decision Reference DRN1551244
23 May 2019 Casheuronet UK LLC UpheldBanking and creditMr L says CashEuroNet UK LLC (trading as Pounds to Pocket) lent to him irresponsibly.backgroundPounds to Pocket approved 12 instalment loans for Mr L. I’ve set out some of the details the business has provided about these loans in the table below. Three of the ... (3 pages)View decision
