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 DRN-2315325
26 Nov 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2315325 The complaint Mr T says that NewDay Ltd trading as Aqua (Aqua) lent to him irresponsibly when it increased his credit limits four times over a 14 month period. Mr T wants a refund of all interest paid and any late payment charges. What happened Aqua opened Mr T’s account in Dec... (5 pages)View decision -
Decision Reference DRN7168601
26 Feb 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr P complains about the loans he took out with Curo Transatlantic Limited trading as Wage Day Advance. Mr P says he repeatedly borrowed large amounts. This ought to have placed Wage Day on notice he was a poor candidate for credit and prompt it to carry out furth... (6 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 DRN6292245
31 Oct 2019 MYJAR Limited UpheldBanking and creditMiss G complains that MYJAR Limited gave her loans that she couldn’t afford.backgroundMiss G took out three short term loans with MYJAR. Loans 1 and 2 were repayable by three monthly instalments. Loan 3 was repayable by 12 monthly instalments. Loan 3 hasn’t been repaid. Miss G’s loan histo... (6 pages)View decision -
Decision Reference DRN-4401690
16 Feb 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4401690 The complaint Mr D complains TSB Bank plc said he went overdrawn on his current account but couldn’t explain how. He’s also unhappy at them asking him to repay the balance. And he’s unhappy they’ve subsequently closed his account while reporting negative information. What happe... (5 pages)View decision -
Decision Reference DRN6011440
3 Apr 2014 Cheltenham & Gloucester plc Not upheldBanking and creditMr T complains – through his representative – that Cheltenham & Gloucester Plc (‘C & G’) mis-sold his mortgage.backgroundIn March 2003 Mr T (aged 48) took out a repayment mortgage from C & G for £65,000 over 15 years. The initial monthly payment was £488. The purpose o... (2 pages)View decision -
Decision Reference DRN9584983
13 Aug 2018 Instant Cash Loans Limited Not upheldBanking and creditMr S complains that Instant Cash Loans Limited, trading as Payday UK, approved loans he applied for which were unaffordable and it was irresponsible of Payday UK to do that. backgroundMr S applied for and was approved for several loans and I set out three of them h... (5 pages)View decision -
Decision Reference DRN-4036311
28 Apr 2023 Evergreen Finance London Limited UpheldConsumer CreditDRN-4036311 The complaint Mr S complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (MoneyBoat) gave him loans that weren’t affordable. What happened Mr S was advanced 12 instalment loans by MoneyBoat, and a summary of his borrowing follows in the table below. loan nu... (5 pages)View decision -
Decision Reference DRN8204515
11 Sep 2017 Casheuronet UK LLC Not upheldBanking and creditMr C complains that CashEuroNet UK LLC, trading as Pounds to Pocket, gave him loans he couldn’t afford to repay.backgroundMr C took out four instalment loans with Pounds to Pocket: loan one in March 2013, loan two in May 2013, loan three in September 2013 and loan... (6 pages)View decision -
Decision Reference DRN-3118142
20 Oct 2021 TFS Loans Limited UpheldConsumer CreditDRN-3118142 The complaint Miss K complains that TFS Loans Limited trading as TFS Loans irresponsibly provided her with an unaffordable loan. What happened TFS provided Miss K with a loan as follows: Miss K mainly said that TFS didn’t check properly before providing the loan. She soon ran i... (6 pages)View decision
