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 DRN-1536257
6 Feb 2020 Starling Bank Limited Not upheldBanking and PaymentsDRN-1536257 The complaintMiss D complains about Starling Bank Limited and their failure to progress her chargeback after she was unable to withdraw funds from a third-party website (“M”) account. What happenedMiss D made a number of deposits into her account with M using her Starling debit... (2 pages)View decision -
Decision Reference DRN0843343
30 Dec 2016 WDFC UK Limited UpheldBanking and creditMr M complains that WDFC UK Limited, trading as Wonga, gave him loans he couldn’t afford to repay. He asks that Wonga refunds interest and charges and pays compensation for the way it handled the situation when he couldn’t repay the loans.backgroundMr M took out 21 loa... (3 pages)View decision -
Decision Reference DRN3590889
26 Jul 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr A complains that CURO TRANSATLANTIC LIMITED (trading as Wage Day Advance) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file.backgroundMr A took out 15 loans between ... (3 pages)View decision -
Decision Reference DRN-3126685
23 Nov 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3126685 The complaint Mr P complains about Barclays Bank UK PLC trading as Barclaycard and their decision to approve his credit card application and subsequent credit limit increases. What happened Mr P applied for a credit card account with Barclays in July 2013. This application was ... (4 pages)View decision -
Decision Reference DRN-3284264
2 Feb 2022 TFS Loans Limited UpheldConsumer CreditDRN-3284264 The complaint Ms H has complained that TFS Loans Limited (“TFS Loans”) provided her with an unaffordable loan. What happened TFS Loans provided Ms H with a loan of £4000 in March 2015. This loan had a 36-month term with a monthly repayment amount of £193.61. This all meant the ... (3 pages)View decision -
Decision Reference DRN2403477
15 Jan 2020 Provident Personal Credit Limited Not upheldBanking and creditMr D complains that Provident Personal Credit Limited (trading as Satsuma) lent to him in an irresponsible manner.backgroundMr D took two loans from Satsuma in October 2015 and September 2018. Mr D complained to this service about loan 1 on an earlier occasion and it was not upheld by an a... (3 pages)View decision -
Decision Reference DRN3309831
6 Dec 2018 Amigo Loans Ltd Not upheldBanking and creditMr P complains that Amigo Loans Ltd lent irresponsibly by agreeing four loans in under a year. Mr P also complains that when he asked for help in May 2017 Amigo didn’t offer any assistance. backgroundMr P borrowed £2,500 from Amigo in May 2016. He went on to incr... (3 pages)View decision -
Decision Reference DRN-5203640
12 Dec 2024 Lloyds Bank PLC Not upheldConsumer CreditDRN-5203640 Complaint Mr D complains that Lloyds Bank PLC (“Lloyds”) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable and so he shouldn’t have been lent to. Background In August 2019, Lloyds provided Mr D ... (3 pages)View decision -
Decision Reference DRN8758844
25 Oct 2016 Inventive Finance Limited UpheldBanking and creditMr N has complained about short-term loans granted to him by Inventive Finance Limited trading as Ladder Loans (“Ladder Loans” or “the lender”).backgroundLadder Loans agreed two loans for Mr N in 2012. Mr N says these loans were unaffordable for him. And that Ladder Loa... (3 pages)View decision -
Decision Reference DRN-4640526
17 Jun 2024 Paysafe Financial Services Limited Not upheldBanking and PaymentsDRN-4640526 The complaint Mrs K is unhappy with Paysafe Financial Services Limited (trading as Neteller) decision to close her account and retain funds her funds. What happened Mrs K opened an account with Neteller in 2023 and made deposits into it. Mrs K has said she used the account to s... (3 pages)View decision
