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 4777 results
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Decision Reference DRN2359568
15 Mar 2019 PDL Finance Limited UpheldBanking and creditMiss M complains that PDL Finance Limited (trading as Mr Lender) gave her loans that she couldn’t afford.backgroundMiss M took out a total of five loans with Mr Lender.LoanDateAmount borrowedNo. of instalmentsDate repaid112.12.15£250616.12.15219.12.15£250324.12.15316.05.1... (3 pages)View decision -
Decision Reference DRN5824975
13 Dec 2018 MYJAR Limited Not upheldBanking and creditMr T complains that MYJAR Limited gave him loans that he couldn’t afford to repay. backgroundMr T has used a claims management company (CMC) to help him make his complaint.The background to this complaint was set out in the provisional decision I issued in October 2018... (3 pages)View decision -
Decision Reference DRN8635151
24 Mar 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr C complains that CURO Transatlantic Limited trading as WageDay Advance (“WDA”) gave him loans that he couldn’t afford to repay.backgroundMr C was given seven loans by WDA between March 2014 and September 2014. He was unable to repay his final loan on the due date ... (3 pages)View decision -
Decision Reference DRN9332401
8 Aug 2017 Instant Cash Loans Limited UpheldBanking and creditMr N complains about loans he took out with Instant Cash Loans Limited (trading as Payday UK) which he says shouldn’t have been given to him because they weren’t unaffordable. backgroundThe background to this complaint was set out in my provisional decision in July 20... (4 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 -
Decision Reference DRN-2855694
8 Jun 2021 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-2855694 The complaint Mr P has complained about a personal loan he took out with AvantCredit UK LLC (Avant). He says that Avant shouldn’t have lent to him as the loan was unaffordable for him. What happened In August 2015, Mr P took out a loan with Avant for £4,500 over a period of 48 ... (3 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 DRN-5607152
25 Jun 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldBanking and PaymentsDRN-5607152 The complaint Mr B complains National Westminster Bank Public Limited Company lent to him irresponsibly when they approved his application for an overdraft and failed to adequately monitor his use of it. What happened Mr B complains about the lending decision below and NatW... (4 pages)View decision -
Decision Reference DRN5084365
28 Apr 2016 Madison CF UK Limited UpheldBanking and creditMs E complains that Madison CF UK Limited (trading as 118118 Money) lent to her irresponsibly.backgroundMs E applied for a £1,000 loan from the business in May 2015. She says that the business should not have provided this to her.Ms E says that the bank statement ... (3 pages)View decision -
Decision Reference DRN-3812127
5 Dec 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3812127 The complaint Miss M complains that Barclays Bank UK PLC trading as Barclaycard was irresponsible in its lending to her. What happened Miss M took out a credit card with Barclaycard in August 2012. The initial limit of £6,800 was reviewed and increased in December 2014 to £10,8... (3 pages)View decision
