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 DRN9558634
13 Apr 2016 Vanquis Bank Limited Not upheldBanking and creditMr W complains that Vanquis Bank Limited should refund his disputed transactions and remove the default from his credit file.BackgroundMr W complained about disputed transactions to a gambling website. He said that these transactions took him over his credit limit and... (2 pages)View decision -
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 DRN1118240
14 Mar 2017 Barclays Bank Plc UpheldBanking and creditMr A complains that Barclays Bank Plc gave him a loan irresponsibly as it is unaffordable and he now has financial difficulties. .backgroundMr A applied for a loan from Barclays in November 2013. He says it was un affordable and relevant checks were not carried out. He... (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 -
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 DRN-2779194
26 Apr 2021 TM Advances Limited UpheldConsumer CreditDRN-2779194 The complaint Mrs H complains about three personal loans provided to her by TM Advances Limited, trading as TM Advances, (“TMA”), which she says were irresponsibly lent. What happened TMA agreed three loans for Mrs H. All the loans have been repaid. Some of the information TMA ... (9 pages)View decision -
Decision Reference DRN-3470260
9 Aug 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3470260 The complaint Miss C complains that Santander UK Plc (Santander) didn’t do enough to make sure she wasn’t being scammed when she made payments intended to be investments. She also thinks Santander should have done more to recover her money. What happened The details of this com... (2 pages)View decision -
Decision Reference DRN0523381
4 Aug 2015 Santander UK Plc Not upheldBanking and creditMr E complains that Santander UK Plc blocked his debit card.backgroundMr E tried to use his card for two gambling transactions but the card was declined both times. He phoned Santander less than an hour later, and the block was lifted. But Mr E’s unhappy. He says Sa... (2 pages)View decision -
Decision Reference DRN8365425
21 Sep 2017 Apfin Ltd Not upheldBanking and creditMr G complains that Apfin Ltd (trading as cashasap.co.uk) gave him a loan that he couldn’t afford to repay.backgroundMr G was given one loan by Apfin in August 2016 – he borrowed £250. Mr G hasn’t been able to repay that loan, and an outstanding balance remains. In it... (2 pages)View decision -
Decision Reference DRN0280211
24 Jan 2018 WDFC UK Limited UpheldBanking and creditMr S complains that WDFC UK Limited trading as wonga.com (“Wonga”) gave him loans that were unaffordable.backgroundMr S took out 23 loans and seven top ups from Wonga between July 2011 and December 2012. Here’s a summary of Mr S’s borrowing history with Wonga: loan... (4 pages)View decision
