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 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-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 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 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 -
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 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 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 DRN1106831
9 Aug 2018 Instant Cash Loans Limited Not upheldBanking and creditMr M complains that Instant Cash Loans Limited (trading as PaydayUK) lent him money that he couldn’t afford to repay.backgroundPaydayUK gave Mr M one payday loan for £500 in February 2017 followed by an instalment loan for £2,000 in the same month. He was due to re... (3 pages)View decision -
Decision Reference DRN5142681
30 Nov 2017 WDFC UK Limited UpheldBanking and creditMr R complains that WDFC UK Limited (trading as Wonga) gave him loans that he couldn’t afford to repay.backgroundMr R was given 48 loans by Wonga between January 2013 and March 2017. Some of those loans were instalment loans, but most were payday loans repayable w... (6 pages)View decision -
Decision Reference DRN3139763
21 Feb 2017 WDFC UK Limited UpheldBanking and creditMr L complains that WDFC UK Limited (trading as Wonga.com) didn’t carry out proper affordability checks and irresponsibly granted him unaffordable payday loans. He says he was trapped in a spiral of debt. He wants the charges and interest refunded and his credit file amend... (3 pages)View decision
