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 4808 results
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Decision Reference DRN2187274
12 Dec 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMrs R complains that CURO TRANSATLANTIC LIMITED (trading as Wage Day Advance) gave her a loan that was unaffordable. backgroundIn 2014 Mrs R took out a loan of £100 with Wage Day Advance. It was a payday loan, and was repaid on schedule less than two weeks later in one... (3 pages)View decision -
Decision Reference DRN2733645
3 May 2018 CURO TRANSATLANTIC LIMITED Not upheldBanking and creditMr T complains that Curo Transatlantic Limited (trading as Wage Day Advance) gave him loans that he couldn’t afford.backgroundMr T took out a total of three loans with Wage Day between May and November 2013.Mr T says he was in a spiral of debt. He believes that if Wa... (2 pages)View decision -
Decision Reference DRN-3053590
4 Oct 2021 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3053590 The complaint Mr B has complained that Bank of Scotland plc trading as Halifax (“Halifax”) continued charging him excessive amounts for his overdraft when he was in financial difficulty. What happened Mr B complained to Halifax that the overdraft charges applied to his account... (2 pages)View decision -
Decision Reference DRN4898950
13 Dec 2013 Lloyds Bank PLC Not upheldBanking and creditMr B complains that Lloyds Bank PLC has refused to refund disputed transactions on his bank account. Mr B says he is the victim of fraud and wants Lloyds to refund the money.backgroundMr B opened an account with Lloyds in June 2012 and a debit card and PIN were issued to him. In Septe... (2 pages)View decision -
Decision Reference DRN-3017688
13 Sep 2021 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3017688 The complaint Mr C has complained that Lloyds Bank PLC’s changes to its overdraft pricing structure caused him financial difficulty and that Lloyds continued charging him excessive amounts for his overdraft when he was in financial difficulty. What happened Mr C complained to L... (2 pages)View decision -
Decision Reference DRN3430007
22 Nov 2017 Capital One (Europe) plc Not upheldBanking and creditMr A complains that Capital One (Europe) plc acted irresponsibly in increasing the credit limit on his account. backgroundMr A had a credit card account with Capital One and he says it acted irresponsibly when it increased his credit limit in 2010 and then again in ... (2 pages)View decision -
Decision Reference DRN-3892651
19 Jan 2023 Madison CF UK Limited Not upheldConsumer CreditDRN-3892651 Complaint Mr K has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says he was tackling a gambling problem at the time and shouldn’t have been lent to. Background 118 118 Money provided Mr K with a loan for £2,000.00 in November 20... (2 pages)View decision -
Decision Reference DRN6585787
22 Sep 2016 Lending Stream Llc UpheldBanking and creditMr A says that Lending Stream Llc (‘LS’) shouldn’t have given him loans.backgroundMr A took seven loans from LS between 2011 and 2013. He says that he was having money troubles at the time and getting all these loans just made things worse.LS has said it did consi... (3 pages)View decision -
Decision Reference DRN8652511
10 Jul 2018 Uncle Buck Finance LLP UpheldBanking and creditMr B complains that Uncle Buck Finance LLP gave him loans that were unaffordable.backgroundDuring 2015 and 2016 Mr B borrowed ten loans from Uncle Buck, as follows: loan Amount loan dateloan typeRepayment date 1 £150 9.2.15Payday26.2.152 £100 3.3.15Payday13.3.153 £150 16.3.... (4 pages)View decision -
Decision Reference DRN1870793
17 Jul 2019 CMC Markets UK plc Not upheldInvestment and pensionsMr B complains that he is unhappy with the service provided by CMC Markets UK Plc (“CMC”) while trading contracts for difference (CFDs).backgroundI issued my provisional decision in June 2019 which is attached and forms part of my final decision. In this I set out why I didn’t think Mr B’s... (6 pages)View decision
