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 DRN-1694257
17 Apr 2020 Hitachi Capital (UK) Plc Not upheldConsumer CreditDRN-1694257The complaintMrs B complains that Hitachi Capital (UK) Plc (“Hitachi”) lent to her irresponsibly. What happenedAt the beginning of March 2018 Mrs B applied for a loan with Hitachi. The loan was for £5,000 over a period of 36 months and the monthly repayments were around £165. H... (3 pages)View decision -
Decision Reference DRN-3358324
28 Mar 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3358324 The complaint Mr M is unhappy that National Westminster Bank Plc (“NatWest”) approved an overdraft facility for him that he considers unaffordable. He is also unhappy that correspondence for him went to the wrong address. What happened Mr M successfully applied for a £4,500 ove... (3 pages)View decision -
Decision Reference DRN-3344535
10 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3344535 The complaint Mr M complains that NewDay Ltd (“NewDay”) has refused to refund payments he believed he was making to Tradex1 using his NewDay (Amazon) Mastercard credit card. Mr M says that Tradex1 were operating a scam and stole his money. What happened The circumstances of th... (5 pages)View decision -
Decision Reference DRN6095705
15 Sep 2017 WDFC UK Limited UpheldBanking and creditMr S complains that WDFC UK Limited (trading as Wonga) lent him money he could not afford to repay. backgroundMr S took out 16 loans with Wonga between September 2012 and March 2014. He says that during this period his loans got larger and he had to take out other l... (3 pages)View decision -
Decision Reference DRN6043248
28 Jan 2019 Casheuronet UK LLC UpheldBanking and creditMr F complains about the short term loans he took out with CashEuroNet UK LLC trading as QuickQuid. Mr F says that he rolled over the loans many times and he also increased the amount he borrowed. This was because he couldn’t properly afford the repayments. He thi... (4 pages)View decision -
Decision Reference DRN6399936
19 May 2017 Uncle Buck Finance LLP Not upheldBanking and creditMr W complains that Uncle Buck Finance LLP made short-term lending to him when it shouldn’t have.backgroundUncle Buck made one loan to Mr W. He later arranged a debt management plan. He complained that the loan was unaffordable and the lender should write it off.... (2 pages)View decision -
Decision Reference DRN2841324
27 Feb 2020 Elevate Credit International Limited UpheldBanking and creditMr J says Elevate Credit International Limited – trading as Sunny – irresponsibly lent to him.backgroundThis complaint is about 11 instalment loans Sunny provided to Mr J between August 2017 and June 2018. Mr J’s borrowing history is as follows:LoanDate TakenDate RepaidInstalmentsAmountM... (4 pages)View decision -
Decision Reference DRN0719803
15 Dec 2015 Capital One (Europe) plc Not upheldBanking and creditMr N complains that Capital One (Europe) plc will not refund payments he says he did not make with his credit card.backgroundThere were 15 payments made to the same merchant during a four hour period on 10 August 2015. These totalled £1,000. Mr N said he had the ... (2 pages)View decision -
Decision Reference DRN-3897809
5 May 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3897809 The complaint Mr B complains about Barclays Bank UK PLC. He says that Barclays didn’t do enough to protect him from becoming the victim of a scam and would like Barclays to refund the money he has lost. What happened Mr B was introduced to a website by someone he met on an onli... (3 pages)View decision -
Decision Reference DRN9161599
27 Mar 2021 TSB Bank plc Not upheldBanking and creditMr D complains that TSB Bank pic increased his cash withdrawal limit without notifying him and he’d like TSB to reinstate the lower cash withdrawal limit he previously agreed. background Mr D explained that he had previously agreed a daily cash withdrawal limit of £50 to he... (3 pages)View decision
