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 5478 results
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Decision Reference DRN-4381172
3 Oct 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4381172 The complaint Miss M has complained that Barclays Bank UK PLC, trading as Barclaycard (“Barclays”), irresponsibly granted her a credit card account, and subsequently increased her credit limit, which she couldn’t afford to repay. What happened Miss M took out a credit card with... (4 pages)View decision -
Decision Reference DRN9896788
12 Apr 2019 Casheuronet UK LLC UpheldBanking and creditMr H has complained about short-term loans granted to him by CashEuroNet UK LLC trading as “QuickQuid”. Mr H says he couldn’t afford these loans and that QuickQuid didn’t take appropriate steps to check whether he could afford them when he took them out. backgroundQuickQu... (5 pages)View decision -
Decision Reference DRN-4011425
13 Mar 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4011425 The complaint Mr H complains that Barclays Bank UK PLC gave him three credit card accounts that were unaffordable. What happened Mr H took out three credit cards between 1999 and 2004. The cards were closed between 2004 and 2014. In 2021, he complained to Barclays that they sho... (3 pages)View decision -
Decision Reference DRN3558684
27 Jun 2017 MEM Consumer Finance Limited UpheldBanking and creditMr M complains that MEM Consumer Finance Limited (trading as Payday UK) were irresponsible to lend money to him.backgroundMr M took out eleven loans with Payday UK between 2012 and 2014. He says that at the time of taking the loans, he was struggling with personal an... (3 pages)View decision -
Decision Reference DRN-2390731
12 Apr 2021 Retail Money Market Ltd Not upheldConsumer CreditDRN-2390731 The complaint Mr N complains that Retail Money Market Ltd trading as RateSetter irresponsibly gave him a fixed sum loan agreement that he couldn’t afford. What happened In May 2016, Mr N applied for a fixed sum loan of £12,000 with RateSetter in order to consolidate his existin... (4 pages)View decision -
Decision Reference DRN5751007
23 Aug 2018 Western Circle Limited UpheldBanking and creditMr O complains about the loans he took out with Western Circle Ltd trading as Cashfloat. He says that he had no option but to borrow multiple times due to spiralling debt problems. He says Cashfloat didn’t adequately assess his loan applications, if it did it would’ve... (5 pages)View decision -
Decision Reference DRN-4999786
20 Sep 2024 Evergreen Finance London Limited Not upheldConsumer CreditDRN-4999786 The complaint Mr M complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided him with loans without properly checking his finances. What happened Mr M was granted five loans and a summary of his borrowing can be found below. loan num... (5 pages)View decision -
Decision Reference DRN0000139
13 Mar 2020 Madison CF UK Limited UpheldBanking and creditComplaintMr H complains that Madison CF UK Limited trading as 118 118 Money acted irresponsibly by lending him money in March 2018.BackgroundThe background to this complaint and my provisional findings are set out in my provisional decision dated 26 February 2020 – a copy of which is attac... (5 pages)View decision -
Decision Reference DRN-4729357
8 Apr 2024 Plata Finance Limited UpheldConsumer CreditDRN-4729357 The complaint Mr W is complaining about Plata Finance Limited because he says it lent to him irresponsibly without carrying out adequate checks into his financial situation. What happened On 2 May 2023, Mr W took out a personal loan with Plata. He borrowed £20,000 over a term o... (5 pages)View decision -
Decision Reference DRN-4291164
10 Jan 2024 PDL Finance Limited UpheldConsumer CreditDRN-4291164 The complaint Mr S complains that PDL Finance Limited trading as Mr Lender irresponsibly lent to him. He has said had proper checks been carried out the lender would have seen he had a gambling problem and wouldn’t have lent to him. What happened Mr Lender lent Mr S three insta... (3 pages)View decision