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 DRN5715381
24 Sep 2019 Provident Personal Credit Limited UpheldBanking and creditMr C complains that Provident Personal Credit Limited (trading as Satsuma) was irresponsible to lend to him.backgroundMr C had four loans from Satsuma between January 2017 and January 2018 as follows:Loan Date AmountTermRepayment Due Repaid 124 Jan 2017£1,0003m£492.0024 Apr 2017On time23 A... (3 pages)View decision -
Decision Reference DRN-4172294
6 Jun 2023 Santander UK Plc UpheldBanking and PaymentsDRN-4172294 Complaint Mr M has complained that Santander UK Plc (“Santander”) irresponsibly provided him with an overdraft which it continued applying charges on even when he was in financial difficulty. Background One of our adjudicators looked at Mr M’s complaint and thought we could loo... (3 pages)View decision -
Decision Reference DRN9890941
20 Nov 2017 Elevate Credit International Limited Not upheldBanking and creditMr M complains that Elevate Credit International Limited, trading as Sunny, gave him loans he couldn’t afford to repay.background Mr M took out the following loans with Sunny: date £ amount borrowed£ amount to be repaid/repayment period /£ weekly repayment (rounded) date ... (3 pages)View decision -
Decision Reference DRN1892642
6 Mar 2018 MYJAR Limited Not upheldBanking and creditMr M complains that MYJAR Limited gave him a loan that was unaffordable.backgroundThe background to this complaint was set out in a provisional decision I issued in January 2018. An extract from this is attached and forms part of this final decision, so I will not repea... (3 pages)View decision -
Decision Reference DRN5973139
2 Jun 2017 Lending Stream Llc UpheldBanking and creditMr C complains that Lending Stream LLC gave him loans he couldn’t afford to pay back. backgroundMr C took out the following instalment loans with Lending Stream. The loans were repayable over five to six months. date takenamountmaximum repaymentdate repaid 23 June 2012£100£... (3 pages)View decision -
Decision Reference DRN-4523144
9 Apr 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4523144 The complaint Mr L is unhappy Lloyds Bank PLC granted him an overdraft, and then closed his current account before he could come to an arrangement to repay the overdraft. What happened From the information I have, Mr L took out an overdraft for £1,000 on 10 June 2021. Mr L says... (2 pages)View decision -
Decision Reference DRN1387090
29 Jun 2018 Active Securities Limited UpheldBanking and creditMr W complains that Active Securities Limited (trading as 247 Moneybox) lent him money that he couldn’t afford to repay.background247 Moneybox gave Mr W five loans between May 2016 and January 2017. Loan NumberBorrowing DateLoan Amount Repayment Amount 1 13/05/2016 £80 £1... (3 pages)View decision -
Decision Reference DRN4801413
9 Oct 2017 WDFC UK Limited UpheldBanking and creditMr D complains that WDFC UK Limited (trading as wonga.com) gave him unaffordable payday loans that made his financial situation worse. He wants a refund of the interest and charges he paid, with interest. backgroundMr D had 25 loans and 5 top-ups from Wonga between J... (3 pages)View decision -
Decision Reference DRN8060041
7 Aug 2018 Casheuronet UK LLC UpheldBanking and creditMr O complains that CashEuroNet UK LLC (trading as QuickQuid) gave him money that he couldn’t afford to repay.backgroundMr O took out five loans with QuickQuid and refinanced the final loan.No.Date of LoanAmount borrowedMaximum monthly repaymentRepayment date18 May 2... (3 pages)View decision -
Decision Reference DRN5095321
28 May 2015 Cane Cohen Ltd Not upheldInvestment and pensionssummary of complaintMr and Mrs K’s daughter, Miss K, is making this complaint on their behalf. The complaint is that Cane Cohen Ltd gave them unsuitable investment advice to invest in a discretionary managed portfolio.background to complaintAn adjudicator considered the... (2 pages)View decision
