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 DRN3993877
4 Jul 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr I complains Curo Transatlantic Limited trading as Wage Day Advance (WDA) was irresponsible to lend him money.backgroundMr I says he was caught in a spiral of debt and paid thousands of pounds in interest. Mr I wants WDA to write off the balance on his final loa... (3 pages)View decision -
Decision Reference DRN6895222
17 Apr 2018 Inventive Finance Limited Not upheldBanking and creditMr M complains that Inventive Finance Limited (trading as Ladder Loans) gave him a loan that he couldn’t afford to repay.backgroundMr M was given a single loan by Ladder Loans. He borrowed £1,000 in July 2013, and agreed to repay this by 12 monthly instalments of £... (2 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 DRN-1456506
5 Jun 2020 Harvey & Thompson Limited Not upheldConsumer CreditDRN-1456506 The complaintMiss B complains that Harvey & Thompson Limited ("H&T") lent to her in an irresponsible manner. What happenedMiss B was given three loans by H&T between July 2017 and April 2018. Each of the loans was due to be repaid in monthly instalments as... (3 pages)View decision -
Decision Reference DRN1550685
5 Sep 2013 J M Finn & Co Ltd Not upheldInvestment and pensionsMr C complains about a number of investment decisions made by J M Finn & Co Ltd in relation to his discretionary portfolio. In summary, Mr C considers that J M Finn failed to show an appropriate level of competence and care when making these investment decisions. backgroundMr C’s co... (2 pages)View decision -
Decision Reference DRN-2596565
23 Feb 2021 Oakbrook Finance Limited Not upheldConsumer CreditDRN-2596565 Complaint Miss W has complained about loans Oakbrook Finance Limited (trading as “Likely Loans”) provided to her. She says Likely Loans didn’t properly undertake affordability assessments before providing these loans. Background Likely Loans provided Miss W with a first loan of... (2 pages)View decision -
Decision Reference DRN1016583
4 Nov 2020 Bank of Scotland Plc Not upheldBanking and creditMr H complains Bank of Scotland plc, trading as Halifax, will not refund some disputed transactions. background During December 2018, several disputed transactions occurred on Mr H’s account. All payments were made to G – an online gambling site. In total, just over £5500 was spent. Mr H... (2 pages)View decision -
Decision Reference DRN1424081
3 Feb 2017 WDFC UK Limited UpheldBanking and creditMr H complains that WDFC UK Limited (Wonga) gave him loans he couldn’t afford to repay. He also complains about the customer service he received after he complained. backgroundBetween July 2010 and July 2014, Mr H took out over 30 loans with Wonga. In June 2016, Mr H... (2 pages)View decision -
Decision Reference DRN3911942
18 Jun 2019 Uncle Buck Finance LLP UpheldBanking and creditMr W complains that Uncle Buck Finance LLP (Uncle Buck) gave him loans that he couldn’t afford to repay.backgroundMr W was given nine loans by Uncle Buck between January 2015 and October 2016. Mr W has repaid all the loans. When Mr W first complained to Uncle Buck it di... (2 pages)View decision -
Decision Reference DRN-3221015
25 Jan 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3221015 The complaint Mr G has complained that Santander UK Plc continued charging him excessive amounts for his overdraft when he was in financial difficulty. What happened Mr G complained to Santander about the charges that had been applied to his account in the previous 15 years. He... (3 pages)View decision
