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
-
Decision Reference DRN0464826
31 Dec 2019 MBNA Limited Not upheldBanking and creditMrs N complains that MBNA Limited won’t reimburse her for her losses after she used her credit card to transfer money to an investment business that turned out to be a scam. backgroundMrs N opened a trading account with a business which I’ll refer to as “T”. T was a binary options trading... (2 pages)View decision -
Decision Reference DRN-3761516
15 Feb 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3761516 The complaint Mrs M brings this complaint on behalf of her son Mr M and complains HSBC UK Bank plc (HSBC) failed to apply a spending cap on her son’s bank account. What happened Mrs M says she opened a bank account in branch for her son in early April 2019 and was told at that ... (4 pages)View decision -
Decision Reference DRN7188722
31 Jul 2013 National Westminster Bank Plc Not upheldBanking and creditMr R and Ms S complain that they were not responsible for payments made from their account with National Westminster Bank Plc (“NatWest”), to certain online merchants that NatWest are holding them liable for. They are also unhappy that the bank allowed the payments to be made.backgro... (2 pages)View decision -
Decision Reference DRN1215429
13 Feb 2019 Casheuronet UK LLC UpheldBanking and creditMr W has complained about short-term loans granted to him by CashEuroNet UK LLC trading as Quick Quid (“Quick Quid” or “the lender”). Mr W says Quick Quid was irresponsible to lend to him, that he couldn’t afford the loans and fell behind on his other outgoings in o... (4 pages)View decision -
Decision Reference DRN-2022694
27 Jul 2020 Western Circle Ltd UpheldConsumer CreditDRN-2022694 The complaintMr G says Western Circle Ltd trading at the time as ‘Cashfloat’ irresponsibly lent to him. What happenedIn June 2020 I issued my provisional decision. In it I explained why I was intending to uphold Mr G’s complaint about loans 6,7 and 8. An extract of my provision... (4 pages)View decision -
Decision Reference DRN-2725790
3 Apr 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2725790 The complaint Mr B complains about ‘log book’ loans provided to him by Loans 2 Go Limited, (“L2G”) which he says were unaffordable. What happened L2G provided Mr B with ‘log book’ loans. These loans were granted on the basis that Mr B provided L2G with a bill of sale for his c... (4 pages)View decision -
Decision Reference DRN-4623871
15 Feb 2024 PDL Finance Limited UpheldConsumer CreditDRN-4623871 The complaint Miss L complains PDL Finance Limited trading as Mr Lender (“Mr Lender”) gave her loans without carrying out affordability checks. What happened A summary of Miss L’s borrowing can be found below. loan number loan amount agreement date repayment date number monthly... (4 pages)View decision -
Decision Reference DRN-3317187
16 Feb 2022 UK Credit Limited Not upheldConsumer CreditDRN-3317187 The complaint Mr B complains about a guarantor loan provided to him by UK Credit Limited, (“UKC”), which he says was unaffordable. Mr B’s complaint has been brought to this service on his behalf by a claims’ management company. But for ease, I shall refer below to all actions b... (8 pages)View decision -
Decision Reference DRN6812012
20 Jun 2018 Casheuronet UK LLC Not upheldBanking and creditMr G says that CashEuroNet UK LLC, trading as Quick Quid, lent to him irresponsibly.backgroundI issued my provisional decision on this case on 5 June 2018. A copy of it is attached and forms part of this final decision. The full background to this complaint is set ou... (4 pages)View decision -
Decision Reference DRN-3408807
5 Apr 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3408807 The complaint Mr T complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk acted irresponsibly when lending to him. What happened MoneyBoat provided Mr T with loans as follows: Loan Date taken Date paid Monthly Instalments Loan amount Highest repayment 1 21/0... (4 pages)View decision
