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-3085890
31 Dec 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3085890 The complaint Mrs F complains that Barclays Bank UK PLC trading as Barclaycard (“Barclays”) acted irresponsibly when they increased her credit card limit in February 2015. Mrs F says the lending was unaffordable for her. What happened In March 2007 Mrs F took out a credit card... (4 pages)View decision -
Decision Reference DRN-2509622
5 Nov 2021 Match the Cash Limited UpheldConsumer CreditDRN-2509622 The complaint Miss K complains Match The Cash Limited trading as Guarantormyloan.tv unfairly brought about two unaffordable guarantor loans for her. What happened Match The Cash brought about two loans for Miss K via its electronic lending system: Date of loan Capital Amount Te... (4 pages)View decision -
Decision Reference DRN-4963946
20 Aug 2024 Tymit Ltd UpheldBanking and PaymentsDRN-4963946 The complaint Mr B is complaining about Tymit Ltd because he says it lent irresponsibly by providing him with a credit card he couldn’t afford. What happened In October 2021, Mr B opened a credit card account with Tymit. The initial credit limit was £1,500. This was never in... (4 pages)View decision -
Decision Reference DRN-4254176
22 Sep 2023 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4254176 The complaint Mr H complains that Moneybarn No. 1 Limited (“Moneybarn”) provided him with lending which was unaffordable. Mr H’s complaint has been brought on his behalf by a CMC which I’ll refer to as T. My references to submissions made by Mr H include those submitted on his ... (4 pages)View decision -
Decision Reference DRN-5031533
1 Oct 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-5031533 Complaint Mr H has complained that Loans 2 Go Limited (“L2G”) provided him with an unaffordable loan. Background L2G provided Mr H with a loan of £1,400.00 in May 2021. This loan had an APR of 277.8% and a 104-week term. This all meant the total amount repayable of £4,053.9... (4 pages)View decision -
Decision Reference DRN7771755
18 Apr 2018 CURO TRANSATLANTIC LIMITED Not upheldBanking and creditMr F complains that Curo transatlantic limited (trading as Wage Day Advance) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file. Mr F is represented by a claim man... (2 pages)View decision -
Decision Reference DRN6763949
11 Mar 2021 Loans 2 Go Limited UpheldBanking and creditIn summary, Mr S has complained that Loans 2 Go Limited provided him with a loan when he wasn’t able to afford it. background In September 2018 Loans gave Mr S a loan for £600 repayable over 18 months. It was a high interest loan with an interest rate of 989.9% APR. The total charge for th... (4 pages)View decision -
Decision Reference DRN7094804
15 May 2014 National Westminster Bank Plc Not upheldBanking and creditMr D complains that National Westminster Bank Plc (“NatWest”) wrongly holds him liable for online gaming payments made from his account.backgroundMr D holds a current account with NatWest, for which he has a plastic card. The disputed withdrawals were all made online, to gaming comp... (2 pages)View decision -
Decision Reference DRN2170917
1 Jul 2014 Bank of Scotland Plc Not upheldBanking and creditMr D complains that Bank of Scotland plc (“Intelligent Finance”) has held him responsible for a debt created on his account when he made transactions which left it over £13,000 overdrawn. This was despite the authorised overdraft limit being less than £1,000.background The circumstances ... (5 pages)View decision -
Decision Reference DRN-2043640
13 Sep 2020 Everyday Lending Limited UpheldConsumer CreditDRN-2043640The complaintMr H has complained about a guarantor loan that was given to him by Everyday Lending Limited (EDL). What happenedMr H was given a loan for £6,000 by EDL in March 2019. The loan was due to be repaid in 60 monthly instalments of around £236. The total amount payable, ... (4 pages)View decision
