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
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Decision Reference DRN3012493
3 Sep 2018 Elevate Credit International Limited Not upheldBanking and creditMiss T complains that Elevate Credit International Limited (trading as Sunny) gave her loans that she couldn’t afford to repay.backgroundMiss T was given four loans by Sunny between August and October 2017. Each of the loans was repayable in six monthly instalments. At... (2 pages)View decision -
Decision Reference DRN3105472
26 Nov 2018 Tesco Personal Finance PLC UpheldBanking and creditMr P complains Tesco Personal Finance PLC applied a charge to his credit card account when he used it to pay a deposit. backgroundMr P purchased a new bike. To pay for the bike he took out a 0% finance agreement through a third party finance company. For ease I’ll re... (2 pages)View decision -
Decision Reference DRN7558192
27 Nov 2018 Nationwide Building Society Not upheldBanking and creditMr F complains that Nationwide Building Society withdrew his overdraft facility and wouldn’t accept his offer to reduce it by £50 per month.backgroundMr F had an overdraft facility of £500 on his current account with Nationwide. In May 2018 Nationwide wrote to Mr F ... (2 pages)View decision -
Decision Reference DRN6745557
31 Aug 2017 Cash On Go Limited Not upheldBanking and creditMr N complains that Cash On Go Ltd (trading as Peachy) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file. Mr N is represented by a claims management company.backgrou... (2 pages)View decision -
Decision Reference DRN-1061699
28 Apr 2020 Nextcredit Limited UpheldConsumer CreditDRN-1061699 The complaintMr R complains that Nextcredit Limited was irresponsible to lend to him. What happenedMr R had three instalment loans from Nextcredit between April 2017 and August 2017 as follows: Loan Date Amount TermMonthly Repayment DueRepaid 111 Apr 2017£20055d£132.365 Jun 201... (2 pages)View decision -
Decision Reference DRN-4090660
26 Apr 2023 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4090660 The complaint Mrs P complains that Capital One (Europe) plc irresponsibly lent to her. What happened Mrs P applied for a credit card online in December 2019, she was given a credit limit of £200. The credit limit wasn’t increased at any stage. The account defaulted in March 202... (2 pages)View decision -
Decision Reference DRN-4777006
5 Jun 2024 Metro Bank PLC Not upheldBanking and PaymentsDRN-4777006 The complaint Mr S has complained Metro Bank PLC won’t refund money for 12 transactions authorised in error. What happened In May 2023 Mr S was using his account with a gambling company (who I’ll call P). He believed his transactions weren’t being authorised so kept making addi... (2 pages)View decision -
Decision Reference DRN1713394
2 Oct 2019 Elevate Credit International Limited UpheldBanking and creditMrs R says Elevate Credit International Limited (trading as Sunny) irresponsibly lent to her.backgroundThis complaint is about 31 instalment loans Sunny provided to Mrs R between August 2015 and November 2016. There is a summary of Mrs R’s lending history from Sunny in the appendix. Our ad... (5 pages)View decision -
Decision Reference DRN-3634083
23 Mar 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3634083 The complaint Ms K complains that Bank of Scotland plc (‘BoS’) hasn’t refunded her for payments she sent to four investment scams. What happened The details of this complaint are well known to both parties, so I will not repeat them again here. The facts are not in dispute so I... (2 pages)View decision -
Decision Reference DRN-1397898
21 Jan 2020 Evergreen Finance London Limited Not upheldConsumer CreditDRN-1397898 The complaintMr H says Evergreen Finance London Limited trading as Moneyboat lent to him irresponsibly. He says he couldn’t afford the loan as he already had other payday loans and creditors. He thinks Moneyboat should’ve seen this and not lent to him. What happenedThis complai... (2 pages)View decision
