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 4744 results
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Decision Reference DRN0594261
7 Mar 2018 TM Advances Limited Not upheldBanking and creditMr D complains that TM Advances Limited was irresponsible in granting him several loans. backgroundMr D took out four loans with TM. The first was for £3,000 in June 2014 and the second was for £2,000 in July 2014. The first was for three years and the second for ... (2 pages)View decision -
Decision Reference DRN9770210
15 Feb 2017 TSB Bank plc Not upheldBanking and creditMr P complains that TSB Bank plc didn’t stop a pending debit card payment when he asked them to and haven’t refunded the money to him. He says the payment was made fraudulently. backgroundMr P says that in July 2016 he noticed a payment to an online gambling websit... (2 pages)View decision -
Decision Reference DRN-3140450
18 Nov 2021 Nationwide Building Society UpheldBanking and PaymentsDRN-3140450 The complaint Miss B has complained that Nationwide Building Society allowed her to increase her overdraft limit beyond what she could afford to maintain when she was in financial difficulty. What happened Miss B complained to Nationwide about her overdraft facility. She said N... (2 pages)View decision -
Decision Reference DRN-4345818
22 Sep 2023 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-4345818 The complaint Mr E complains that Lantern Debt Recovery Services Ltd is asking him to repay debts when he has no money to do so. What happened Lantern Debt Recovery Services Ltd (“Lantern”) acquired debts for four loans that were taken out by Mr E. Mr E complained to Lantern in... (2 pages)View decision -
Decision Reference DRN-1778548
31 Mar 2021 Everyday Lending Limited Not upheldConsumer CreditDRN-1778548 The complaint Mr B says Everyday Lending Limited (ELL) was irresponsible to offer him a loan. What happened Mr B says he applied by phone for a £10,000 loan to consolidate his existing debts in April 2019. ELL asked him to visit a branch to sign the paperwork and bring in recen... (2 pages)View decision -
Decision Reference DRN-3680453
12 Oct 2022 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-3680453 The complaint Miss C complains that Shop Direct Finance Company Limited (“Shop Direct”), provided her with a catalogue shopping account that she could not afford, and continued to increase her credit limit when it shouldn’t have. What happened In January 2013 Shop Direct approv... (2 pages)View decision -
Decision Reference DRN-1489631
13 May 2020 Elevate Credit International Limited UpheldConsumer CreditDRN-1489631ComplaintMr W says Elevate Credit International Limited (trading as “Sunny”) irresponsibly provided him with a number of high-cost short-term credit instalment loans. BackgroundThis complaint is about twelve high-cost short-term credit instalment loans that Sunny provided to Mr ... (2 pages)View decision -
Decision Reference DRN2891417
6 Feb 2020 Emergency Cash Limited UpheldBanking and creditMr S complains that loans he had from Emergency Cash Limited (trading as wizzcash.com) were unaffordable.backgroundMr S had three instalment loans from Wizzcash between April 2015 and June 2015 as follows:Loan Date AmountTermMonthly Repayment DueRepaid 130 Apr 2015£3003m£138.7520 Jul 20152... (2 pages)View decision -
Decision Reference DRN0639328
18 Nov 2016 Express Finance (Bromley) Limited UpheldBanking and creditMr J complains that Express Finance (Bromley) Limited (trading as Payday Express) gave him unaffordable payday loans. He wants a refund of his interest and charges and for a default to be removed from his credit file. backgroundMr J had two loans from Payday Express ... (2 pages)View decision -
Decision Reference DRN0142700
28 Dec 2016 MEM Consumer Finance Limited UpheldBanking and creditMr B complains that MEM Consumer Finance Limited (trading as Payday UK) didn’t carry out proper affordability checks and irresponsibly granted him unaffordable payday loans. He wants the charges and interest refunded and his credit file amended.backgroundPayday UK said ... (2 pages)View decision
