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-1692901
1 May 2020 TFS Loans Limited UpheldConsumer CreditDRN-1692901ComplaintMr C has complained that TFS Loans Limited (“TFS”) irresponsibly provided him with an unaffordable guarantor loan. He says that he doesn’t think that enough checks were completed to make a fair judgement of affordability and the lending was unfair. BackgroundTFS provide... (5 pages)View decision -
Decision Reference DRN-3406564
27 Apr 2022 Volkswagen Financial Services (UK) Limited Not upheldConsumer CreditDRN-3406564 The complaint Mr A believes Volkswagen Financial Services (UK) Limited (VWFS) acted irresponsibly by agreeing a hire purchase agreement he’d applied for. Mr A is being represented in this complaint by Mrs A. But, for ease of reference, my decision will refer to them both as Mr ... (5 pages)View decision -
Decision Reference DRN4120846
4 Dec 2017 WDFC UK Limited UpheldBanking and creditMr M complains that WDFC UK Limited (trading as Wonga) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges, pays compensation, writes off the remaining balance and removes information about the loans from his credit file. backgro... (4 pages)View decision -
Decision Reference DRN5342925
13 Feb 2018 Gain Credit LLC UpheldBanking and creditMr S complains that Gain Credit LLC (trading as Lending Stream) gave him loans that he couldn’t afford to repay.backgroundMr S was given 34 loans by Lending Stream between October 2012 and April 2017. Mr S’s first loan was repayable in five monthly instalments. T... (5 pages)View decision -
Decision Reference DRN5001103
13 Jul 2017 Uncle Buck Finance LLP UpheldBanking and creditMr Y complains that Uncle Buck Finance LLP shouldn’t have given him instalment loans because of his previous financial history. He wants a refund of his interest and charges. backgroundMr Y took out seven loans from Uncle Buck between March 2015 and October 2016. He s... (2 pages)View decision -
Decision Reference DRN1019734
6 Dec 2019 Novaloans Ltd Not upheldBanking and creditMr D complains that Novaloans Ltd (trading as Cash4unow) lent to him irresponsibly.backgroundMr D took out a total of three loans from Cash4unow between September and November 2018.LoanDate borrowedAmount Date repaid108.09.18£40006.11.18£125.89206.11.18£77012.11.18£244.26312.11.18£770-£23... (3 pages)View decision -
Decision Reference DRN0460368
25 Oct 2017 Santander UK Plc Not upheldBanking and creditMr P complains about how Santander UK Plc reacted when he paid his monthly credit card account payment early.backgroundMr P said he was going on holiday in August 2017. He didn’t think he would be able to make a payment onto his card account while he was away, and... (2 pages)View decision -
Decision Reference DRN4232104
3 Nov 2017 National Westminster Bank Plc Not upheldBanking and creditMrs B’s complaint is that National Westminster Bank Plc (“Natwest”) was negligent in paying out her ISA to a fraudster.backgroundIn around July 2006 Mrs B, and her husband (now divorced) took out investment ISAs with Natwest, for £8,000 each.In March 2009, Natwest receive... (2 pages)View decision -
Decision Reference DRN3965135
9 Jun 2016 Provident Personal Credit Limited Not upheldBanking and creditMr L complains that Provident Personal Credit Limited (trading as Satsuma) didn’t properly consider his financial circumstances and lent him money that he couldn’t afford to pay back.backgroundMr L explains that he took out a number of loans with Satsuma starting in Sept... (2 pages)View decision -
Decision Reference DRN-2322116
4 Dec 2020 CMC Spreadbet Plc Not upheldInvestmentsDRN-2322116 The complaint Mr K is unhappy with how CMC Spreadbet Plc handled one of his trades and has wider concerns about his spread betting account. What happened Mr K opened a trading account with CMC in 2012. Because of the products on offer, part of the online application process req... (4 pages)View decision
