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 DRN6216414
22 Apr 2016 Lloyds Bank PLC UpheldBanking and creditMr O isn’t happy with the way that Lloyds Bank PLC (“Lloyds”) handled his applications to increase his overdraft. background I set out the background to Mr O’s complaint in a provisional decision. Mr O had a gambling problem and significantly increased his overdraft o... (2 pages)View decision -
Decision Reference DRN-3737228
5 Oct 2022 HSBC UK Bank Plc Not upheldConsumer CreditDRN-3737228 The complaint Mr P complains that HSBC UK Bank Plc have irresponsibly lent to him. Mr P is represented by his father in law in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments he has made as being made by Mr P himself. What happened Mr... (5 pages)View decision -
Decision Reference DRN-2909115
5 Jul 2021 Capital One (Europe) plc UpheldBanking and PaymentsDRN-2909115 The complaint Mr B complains that Capital One (Europe) plc trading as Capital One lent irresponsibly when it approved two credit cards in his name. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. In my provision... (3 pages)View decision -
Decision Reference DRN-2497316
11 Jan 2022 UK Credit Limited Not upheldConsumer CreditDRN-2497316 The complaint Mr S complains UK Credit Limited didn’t complete reasonable and proportionate checks when approving him for two guarantor loans. What happened Mr S was approved for two guarantor loans with UK Credit: Date of loan Capital Amount Term Monthly repayments (approx.) T... (5 pages)View decision -
Decision Reference DRN0749580
10 Jun 2019 Casheuronet UK LLC UpheldBanking and creditMr O says CashEuroNet UK LLC trading as QuickQuid lent to him irresponsibly. He says he spent almost three years trapped in a borrowing cycle and the overwhelming amount of loans came from QuickQuid. He says QuickQuid shouldn’t have approved these loans. backgroundOur ... (5 pages)View decision -
Decision Reference DRN8856997
16 Feb 2021 Creative Finance Corp Ltd UpheldBanking and creditMr C complains that Creative Finance Corp Ltd irresponsibly lent to him. Mr C has also said that he’s unhappy with the level of service Creative Finance provided, specifically surrounding his logbook and the attempted debit of his account. background From the information provided, Mr C too... (5 pages)View decision -
Decision Reference DRN-4316263
5 Jan 2024 Savvy Loan Products Limited UpheldConsumer CreditDRN-4316263 The complaint Mr M complains Savvy Loan Products Limited trading as Tick Tock Loans (“Tick Tock”) gave him loans without carrying out sufficient affordability checks. What happened A summary of Mr M’s borrowing can be found in the table below. loan number loan amount agreement... (5 pages)View decision -
Decision Reference DRN4348576
11 Dec 2018 Casheuronet UK LLC UpheldBanking and creditMr B complains that the loans approved by CashEuroNet UK LLC (CEN), trading as QuickQuid, were unaffordable and showed that CEN was irresponsible in its lending decisions.backgroundI attach my first and second provisional decisions dated 12 September 2018 and 15 November... (10 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 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
