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 DRN-3213245
11 Jan 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3213245 The complaint Ms Q complains that Everyday Lending Limited (“ELL”) lent to her in an irresponsible manner. And she further complains that ELL failed to treat her fairly when she faced problems repaying the loan. What happened I issued a provisional decision on this complaint in... (4 pages)View decision -
Decision Reference DRN-3349909
3 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3349909 The complaint Mr N complains that NewDay Ltd has refused to refund transactions (made using his NewDay credit card) to a fraudulent binary options company. What happened Mr N received a call from a representative of XMarkets.com (XMarkets) who sold him an investment opportunity... (7 pages)View decision -
Decision Reference DRN4383797
5 Sep 2019 Barclays Bank UK PLC Not upheldBanking and creditComplaintMrs M complains that Barclays Bank UK Plc won’t refund a number of online card payments that she says she neither made herself nor authorised anyone else to make. BackgroundIn October 2017 a number of online card payments were made from Mrs M’s account with Barclays to two betting... (3 pages)View decision -
Decision Reference DRN-4573597
22 Jan 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4573597 The complaint Mr M complains that HSBC UK Bank Plc (trading as first direct) won’t refund the money he lost when he fell victim to a scam. What happened In late 2021, Mr M saw a video on his phone showing investments being discussed on a well-known television show. This prompte... (6 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 DRN6155883
23 Apr 2018 Gain Credit LLC UpheldBanking and creditMr S complains that Gain Credit LLC gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges.backgroundMr S took out ten loans with Gain Credit which he says weren’t affordable. The adjudicator recommended that the complaint should ... (2 pages)View decision -
Decision Reference DRN-4856114
19 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4856114 The complaint Mr M complains that Vanquis Bank Limited irresponsibly approved his credit card account application which was unaffordable. What happened Mr M says he opened a Vanquis credit card account. He says the lending was irresponsible and unaffordable. Mr M says Vanquis d... (2 pages)View decision -
Decision Reference DRN2444104
17 May 2017 WDFC UK Limited UpheldBanking and creditMr N complains that WDFC UK Limited (trading as wonga.com) gave him unaffordable payday loans. He wants a refund of the interest and charges he paid. backgroundMr N had 15 loans from Wonga between September 2011 and September 2013. He said proper checks would have s... (2 pages)View decision -
Decision Reference DRN-3084855
9 Nov 2021 247 Money Group Limited Not upheldConsumer CreditDRN-3084855 The complaint Mr C complains that 247 Money Group Limited trading as 247Money irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In October 2019 Mr C acquired a used car financed by a hire purchase agreement from 247Money. Mr C was re... (2 pages)View decision -
Decision Reference DRN3679124
28 Sep 2016 WDFC UK Limited UpheldBanking and creditMr H complains that WFDC UK Limited trading as Wonga (“Wonga”) gave him unaffordable payday loans. He wants some of the interest and fees refunded, together with interest.backgroundMr H took out 20 payday loans with Wonga over a twenty-five month period between 2011... (2 pages)View decision
