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
-
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 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 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 DRN3123047
11 Nov 2020 Avantcredit Of Uk, Llc UpheldBanking and creditMr C has complained that AvantCredit of UK LLC lent to him irresponsibly. background Mr C was given a loan by AvantCredit in January 2014 for £1,700. The loan was due to be repaid in 18 monthly instalments of around £181. I understand the loan has been repaid. One of our adjudicators has l... (3 pages)View decision -
Decision Reference DRN-5622705
26 Sep 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5622705 The complaint Miss T complains that Moneybarn No. 1 Ltd unfairly entered into a conditional sale agreement with her. Miss T is supported in bringing this matter by a representative. But, for ease, I’ll refer to actions and submissions as being those of Miss T herself. What... (3 pages)View decision -
Decision Reference DRN1551609
4 May 2021 Carcashpoint Limited UpheldBanking and creditMr P complains that CarCashPoint Limited (“CarCashPoint”) unfairly provided him with logbook loans. background CarCashPoint provided Mr P with logbook loans as follows: Loan Date taken Date repaid Number of instalments Loan amount Weekly repayment* 1 30/03/2017 22/09/2017 78 weekly £560.0... (4 pages)View decision -
Decision Reference DRN-3216236
17 Feb 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3216236 The complaint Mr P complained that Madison CF UK Limited trading as 118 118 Money lent to him irresponsibly and provided him with an unaffordable loan. What happened Mr P was given a loan by 118 118 Money as follows: Loan start date Loan amount Monthly repayment Total amount re... (3 pages)View decision -
Decision Reference DRN3474340
26 Mar 2019 PDL Finance Limited UpheldBanking and creditMr S complains that PDL Finance Limited (trading as Mr Lender) gave him loans that he couldn’t afford.backgroundMr S took out a total of five loans with Mr Lender between January 2014 and July 2016.LoanDateAmountDate repaidNo. of instalments106.01.14£30027.01.141201.02.14£... (3 pages)View decision -
Decision Reference DRN8803410
21 Nov 2017 Lending Stream Llc UpheldBanking and creditMr W complains that Lending Stream LLC gave him loans that he couldn’t afford to repay.backgroundMr W was given eight loans by Lending Stream between August 2016 and November 2016. Each of the loans was repayable in six monthly instalments, but Mr W usually repaid t... (3 pages)View decision -
Decision Reference DRN-4075695
8 Sep 2023 National Westminster Bank Plc Not upheldConsumer CreditDRN-4075695 The complaint Mr H complains that National Westminster Bank Plc lent to him irresponsibly. What happened Mr H successfully applied for two loans with National Westminster Bank Plc (“Natwest”) in 2016. The first loan was for £8,000 and was taken out in May 2016 with monthly repa... (3 pages)View decision
