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 DRN3223977
27 Sep 2018 Uncle Buck Finance LLP UpheldBanking and creditMr F complains that Uncle Buck Finance LLP (Uncle Buck) gave him loans that he couldn’t afford to repay.backgroundMr F was given five loans by Uncle Buck between May and December 2015. The first two loans were repayable the following month. The remaining three loans ... (3 pages)View decision -
Decision Reference DRN3793623
16 Oct 2018 PDL Finance Limited UpheldBanking and creditMr R complains that PDL Finance Limited, trading as Mr Lender, gave him loans which trapped him in a spiral of debt and he couldn’t afford to pay them back.backgroundMr R borrowed five times from Mr Lender, as follows: loan numberdate takenamount borrowedrepayment term... (3 pages)View decision -
Decision Reference DRN7379645
17 Nov 2016 Casheuronet UK LLC UpheldBanking and creditMr C complains that CashEuroNet UK LLC (trading as QuickQuid) gave him loans that he couldn’t afford to repay.backgroundMr C took his first loan from QuickQuid in July 2011. The loan was for £400. It appears that he rolled that loan over three times before repayi... (3 pages)View decision -
Decision Reference DRN-3022423
22 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3022423 The complaint Mrs S complains about NewDay Ltd trading as Aqua’s (“Aqua”) decision to increase her credit limit. What happened Mrs S was accepted for a credit card by Aqua in June 2019 and given an initial credit limit of £450. Mrs S says she used this account for gambling and... (3 pages)View decision -
Decision Reference DRN4830864
9 Feb 2018 Madison CF UK Limited Not upheldBanking and creditMr B complains that Madison CF UK Limited was irresponsible in granting him a loan.backgroundIn October 2015 Mr B took out a loan with Madison for £1,500 over a term of 18 months. The reason given to Madison by Mr B was that he wished to consolidate borrowings. M... (2 pages)View decision -
Decision Reference DRN0700210
18 Oct 2017 Lending Stream Llc Not upheldBanking and creditMr H complains that Lending Stream LLC made short-term lending to him when it shouldn’t have.backgroundLending Stream made a loan to Mr H in July 2013. He couldn’t repay it and later complained that Lending Stream shouldn’t have made the loan.The investigator didn’t re... (2 pages)View decision -
Decision Reference DRN8833996
16 May 2016 HSBC Bank plc Not upheldBanking and creditMs R complains about disputed transactions on her account. She says that HSBC Bank Plc should have done more to protect her. She brings this complaint through her representative Mr R.backgroundIn April 2015, Ms R told HSBC that there were transactions on her account w... (2 pages)View decision -
Decision Reference DRN1605255
10 Feb 2014 HSBC Bank plc Not upheldBanking and creditMr G complains that HSBC Bank plc will not refund a card payment which he says he neither made nor authorised. He also complains that the bank has closed his account. backgroundOn the morning of 16 September Mr G received a payment to his debit card from a bookmaker. He says that thi... (2 pages)View decision -
Decision Reference DRN-4571981
22 Mar 2024 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4571981 The complaint Mr P complains about a lack of transparency by Capital One (Europe) plc (Capital One) over fees that it charges for cash like transactions. . What happened The details of this complaint are well known to both parties so I won’t repeat them again here. Instead, I w... (2 pages)View decision -
Decision Reference DRN2645060
16 Jul 2018 Blemain Finance Limited Not upheldBanking and creditMr Y complains that Blemain Finance Limited gave him two secured loans that he couldn’t afford to repay. He’s also unhappy with the actions it’s taken in trying to recover the outstanding amounts.backgroundIn July 2014, Mr Y applied for a secured loan through a broker w... (4 pages)View decision
