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 DRN-3654212
10 Oct 2022 Lendable Ltd Not upheldBanking and PaymentsDRN-3654212 The complaint Mrs T says Lendable Ltd irresponsibly lent to her. What happened Mrs T’s complaint is about a credit card supplied by Lendable. The account was opened in February 2022 with an initial credit limit of £200. Mrs T complains that Lendable irresponsibly lent to her. O... (2 pages)View decision -
Decision Reference DRN-4798892
30 May 2024 FirstRand Bank Limited Not upheldConsumer CreditDRN-4798892 Complaint Ms L complains that FirstRand Bank Limited (trading as “MotoNovo” Finance) unfairly entered into a hire-purchase agreement with her. She’s said the payments to her agreement were unaffordable. Background In July 2018, MotoNovo provided Ms L with finance for a used car... (3 pages)View decision -
Decision Reference DRN-1699318
27 Mar 2020 Indigo Michael Limited UpheldConsumer CreditDRN-1699318 ComplaintMiss H has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) irresponsibly lent to her which caused her to be financially dependent on its loans. Miss H says SNC should have noticed that the loans were increasing in size and her repeated use w... (6 pages)View decision -
Decision Reference DRN8883177
18 Sep 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr H complains that CURO TRANSATLANTIC LIMITED, trading as WageDay Advance, gave him loans he couldn’t afford to repay. backgroundMr H took out the following loans with WageDay Advance:date£ amount borroweddate repaid12 November 20118015 November 2011228 November 201123015 D... (3 pages)View decision -
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 DRN3215190
4 Nov 2015 Plus500UK Ltd Not upheldInvestment and pensionsMr G’s complaint concerns the Contracts for Difference (“CFD”) trading account he holds with Plus500UK Ltd (“Plus500”). He says that Plus500 has treated him unfairly and caused him to suffer a financial loss.backgroundThis complaint was considered by one of our adjudi... (2 pages)View decision -
Decision Reference DRN9167847
8 Apr 2019 Paragon Bank Plc Not upheldBanking and creditC Ltd complains that Paragon Bank Plc unfairly and unreasonably declined its mortgage application. It wants an apology.backgroundC Ltd, a property company, applied for a mortgage from Paragon through a broker. Paragon refused as the individual who owned C Ltd conduc... (2 pages)View decision
