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 4764 results
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Decision Reference DRN0269838
12 Apr 2017 Barclays Bank Plc Not upheldBanking and creditMr G is unhappy Barclays Bank Plc increased his credit card limit. He said if it had checked his financial circumstance it would have seen that he couldn’t afford to take on further debt.backgroundMr G took out a credit card with Barclays around March 2013. He was gi... (2 pages)View decision -
Decision Reference DRN4716106
12 Aug 2015 National Westminster Bank Plc Not upheldBanking and creditMr K complains that National Westminster Bank plc will not refund unauthorised transactions made on his account. backgroundMr K says that someone used his stolen mobile phone and house keys to get information to enable them to access his bank account, using up his mo... (2 pages)View decision -
Decision Reference DRN4027967
15 Oct 2018 Active Securities Limited UpheldBanking and creditMr T says Active Securities Limited, trading as 247 Money Box, lent to him irresponsibly. He says 247 Money Box failed to identify he was dependent on payday loans and was stuck in a ‘cycle of borrowing to repay previous loans’.backgroundMr T had 17 loans with 247 Mo... (4 pages)View decision -
Decision Reference DRN1865173
13 Jun 2018 WDFC UK Limited UpheldBanking and creditMr M complains that WDFC UK Limited (trading as Wonga) gave him loans that he couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision that I issued last month. An extract from this is attached and forms part of this fi... (4 pages)View decision -
Decision Reference DRN-4527432
4 Jun 2024 IG Index Limited Not upheldInvestmentsDRN-4527432 The complaint Mr L has complained that IG Index Limited (‘IG’) should have prevented him from trading in contracts for differences (CFDs) and closed his account following the contact he had with it in March 2016. What happened This complaint is one of two that Mr L has brought ... (7 pages)View decision -
Decision Reference DRN-2961210
11 Jan 2022 PDL Finance Limited UpheldConsumer CreditDRN-2961210 The complaint Mr M complains that PDL Finance Limited trading as Mr Lender was irresponsible in its lending to him. What happened Mr M was provided with three loans by Mr Lender between December 2017 and February 2019. The details are set out below. Loan Amount Instalments Date... (4 pages)View decision -
Decision Reference DRN-4757290
26 Apr 2024 Evergreen Finance London Limited UpheldConsumer CreditDRN-4757290 The complaint Miss T complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided her with loans she couldn’t afford to repay because at the time she had four accounts on her credit file that were in default. What happened A summary of Miss... (4 pages)View decision -
Decision Reference DRN-3011355
24 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3011355 The complaint Mr B complains that NewDay Ltd trading as Aqua (Aqua) lent to him irresponsibly. What happened Mr B applied for a credit card with Aqua in March 2015 and it was agreed with a limit of £250. Increases were then made as follows: Date Limit March 2015 (new card) £250... (4 pages)View decision -
Decision Reference DRN-4763536
29 Apr 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4763536 The complaint Mr C has complained that Barclays failed to recognise that he was using his substantial overdraft facility to gamble via high-risk investment platforms. Background Mr C has had a current account with Barclays since the early 1980s. It currently has an exceptionall... (4 pages)View decision -
Decision Reference DRN9499034
16 Feb 2018 Gain Credit LLC Not upheldBanking and creditMiss B has complained that Gain Credit LLC, trading as Lending Stream (“Lending Stream”), provided several short term loans which were unaffordable for her.backgroundLending Stream says it agreed 42 loans for Miss B between October 2010 and December 2016. These loans ... (6 pages)View decision
