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 DRN9455954
6 Feb 2018 Apfin Ltd UpheldBanking and creditMr H complains that APFIN LTD, trading as cashasap.co.uk, gave him loans he couldn’t afford to repay.backgroundMr H took out the following loans from cashasap:date£ amount borrowed date repaid15 June 20165010 June 2016210 June 201632514 June 2016314 June 201632525 November 2... (3 pages)View decision -
Decision Reference DRN-1537344
5 Sep 2020 Harvey & Thompson Limited UpheldConsumer CreditDRN-1537344The complaintMrs P complains that Harvey & Thompson Limited lent irresponsibly to her. What happenedBetween October 2011 and March 2013, Mrs P borrowed seven loans from Harvey & Thompson. The lending history is set out below: LoanDate TakenDate RepaidInstalmentsAmountMax... (3 pages)View decision -
Decision Reference DRN0871035
4 Jan 2019 Uncle Buck Finance LLP UpheldBanking and creditMr L complains that Uncle Buck Finance LLP gave him unaffordable instalment loans. He wants a refund of the interest and charges he paid, with interest.backgroundMr L had twelve loans from Uncle Buck between June 2015 and December 2017. He said he was borrowing to repa... (3 pages)View decision -
Decision Reference DRN-2939198
23 Jul 2021 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-2939198 Complaint Mr B has complained that The Royal Bank of Scotland Plc (“RBS”) irresponsibly increased his overdraft limit and provided him with a loan in 2019. He says that RBS ought to have realised he was a gambler and that’s what he would be using the funds advanced for. Backgr... (4 pages)View decision -
Decision Reference DRN-5116621
5 Dec 2024 Gain Credit LLC Not upheldConsumer CreditDRN-5116621 The complaint Mr L complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) lent to him without carrying out sufficient checks. What happened Mr L was advanced one loan of £250 on 8 December 2023. Mr L was due to make five monthly repayments of £83.86 foll... (4 pages)View decision -
Decision Reference DRN-5433546
9 Apr 2025 Tandem Home Loans Ltd UpheldMortgagesDRN-5433546 The complaint Ms C says that a secured (second charge) loan she took out in 2021 with Tandem Home Loans Ltd trading as Oplo was unaffordable and irresponsibly lent. What happened Ms C applied for this loan in January 2021 through an independent mortgage broker. The offer iss... (4 pages)View decision -
Decision Reference DRN8924781
26 Jan 2019 Nationwide Building Society Not upheldBanking and creditMr J complains that problems with Nationwide Building Society’s systems prevented him from making payments to place bets online which caused him financial loss.backgroundMr J attempted to make several payments to an online gambling account in November 2018 but the payme... (1 page)View decision -
Decision Reference DRN3885406
10 Aug 2017 Casheuronet UK LLC UpheldBanking and creditMr H complains that CashEuroNet UK LLC (trading as Quick Quid) gave him loans that were unaffordable.backgroundI issued my provisional decision in July 2017, a copy of which is attached and forms part of this final decision. In my provisional decision I explained why... (6 pages)View decision -
Decision Reference DRN7090440
10 Feb 2020 Virgin Money plc Not upheldBanking and creditMr M has complained Virgin Money plc won’t refund numerous disputed transactions which he didn’t authorise.backgroundMr M didn’t bank online and only received paper statements for his account with Virgin on a quarterly basis. He went to a Virgin branch to withdraw money and found his accou... (3 pages)View decision -
Decision Reference DRN1389949
3 Sep 2018 Casheuronet UK LLC Not upheldBanking and creditMr H complains about the loans he took out with CashEuroNet UK LLC trading as QuickQuid. He says that he became reliant on these loans and he needed to keep borrowing to balance his finances. He thinks QuickQuid’s credit checks should’ve shown this and it shouldn’t h... (3 pages)View decision
