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 DRN6626361
26 Mar 2014 Barclays Bank Plc Not upheldBanking and creditMiss O complains that Barclays Bank Plc held her responsible for transactions that she says she did not make herself. Miss O is represented by her mother in referring her complaint. backgroundMiss O received an inheritance of nearly £80,000 in October 2012, which she deposited into a s... (2 pages)View decision -
Decision Reference DRN-3394157
8 Apr 2022 PDL Finance Limited Not upheldConsumer CreditDRN-3394157 The complaint Ms E says PDL Finance Limited (trading as Mr Lender) irresponsibly lent to her. What happened This complaint is about one instalment loan Mr Lender provided to Ms E in March 2021. The loan was for £200 and was to be repaid in six instalments, with the highest bein... (2 pages)View decision -
Decision Reference DRN-2676489
31 Mar 2021 Nationwide Building Society UpheldBanking and PaymentsDRN-2676489 The complaint Ms B believes that Nationwide Building Society lent to her irresponsibly by authorising her for a credit card which wasn’t affordable for her. What happened In January 2015, Ms B applied for a new credit account with Nationwide - with whom she also held a current ... (3 pages)View decision -
Decision Reference DRN5159775
15 Jan 2018 Casheuronet UK LLC UpheldBanking and creditMr W complains about the payday loans he took out with CashEuroNet UK LLC trading as QuickQuid. He says that the loans trapped him in a debt spiral and he was increasingly using expensive borrowing for his day to day expenses. He thinks QuickQuid didn’t do the chec... (7 pages)View decision -
Decision Reference DRN-3589852
13 Jul 2022 Capital One (Europe) plc UpheldBanking and PaymentsDRN-3589852 The complaint Mr P has complained he took out a credit card with Capital One which he couldn’t afford, and it subsequently defaulted. Since that, Capital One have lent him a further two credit cards. He feels this has trapped him in a cycle of debt which he couldn’t afford. Wha... (5 pages)View decision -
Decision Reference DRN0766620
21 Oct 2020 Advantage Finance Ltd Not upheldBanking and creditMr T complains that Advantage Finance Ltd gave him a hire purchase agreement which was unaffordable. background Mr T acquired a used car in November 2016 by entering into a hire purchase agreement with Advantage. The cash price of the car was £5,400 and the total repayable under the agreem... (7 pages)View decision -
Decision Reference DRN-3856766
13 Dec 2022 Chetwood Financial Limited UpheldConsumer CreditDRN-3856766 The complaint Miss M complains about two loans provided to her by Chetwood Financial Limited, (“Chetwood”), which she says were unaffordable. What happened Chetwood agreed two loans for Miss M. Loan 1 was for £11,500 and was taken out in June 2019. Loan 2 was for £12,900 and wa... (7 pages)View decision -
Decision Reference DRN-4410401
3 Nov 2023 Sporting Index Limited Not upheldInvestmentsDRN-4410401 The complaint Mr L complains that Sporting Index Limited let him trade using a trading facility without carrying out appropriate checks. He also says that it let him trade throughout the years without picking up on his vulnerability. He says that he lost a significant amount of... (7 pages)View decision -
Decision Reference DRN-4653170
23 May 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4653170 The complaint Mr P complains about the way he was treated by Barclays Bank UK PLC after he applied to switch his account to it in July 2023. What happened Mr P has advised us that he has mental health problems which he logged with Barclays. He applied to switch his account to B... (8 pages)View decision -
Decision Reference DRN6279425
7 Feb 2018 DJS (UK) Limited UpheldBanking and creditMr T complains that DJS (UK) Limited, trading as PiggyBank, was irresponsible to have provided him with a number of payday loans.backgroundMr T was provided with 17 payday loans by DJS as follows:-Number of loanDate of loanAmount repayable1.17/3/2014£332.532.17/4/2014... (4 pages)View decision
