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 5162 results
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Decision Reference DRN1979041
1 Mar 2019 Casheuronet UK LLC UpheldBanking and creditMr F says CashEuroNet UK LLC, trading as QuickQuid, lent to him irresponsibly.backgroundMr F had five loans with QuickQuid. I’ve set out some of the information QuickQuid provided about the loans in the table below.Loan no.AmountStart dateEnd date Payment schedule1£2001... (5 pages)View decision -
Decision Reference DRN-4601302
6 Feb 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4601302 The complaint Mr B, through a representative, says Barclays Bank UK PLC, trading as Barclaycard, irresponsibly lent to him. What happened Barclaycard provided Mr B with a credit card with a limit of £1,000 in August 2010. The limit was then changed (up and down) over the subseq... (3 pages)View decision -
Decision Reference DRN-3549777
17 Jun 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3549777 The complaint Mr and Mrs E complain that HSBC UK Bank Plc won’t refund money they lost to a binary options investment scam. As most of the correspondence is from Mr E, I’ll treat all submissions as having come from him in this decision. What happened Around November 2017, Mr E,... (7 pages)View decision -
Decision Reference DRN-3381789
19 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3381789 The complaint Mr P is unhappy that NewDay Ltd, trading as Aqua, approved him for increasing amounts of credit, all of which he feels were unaffordable for him at those times. What happened Mr P had a NewDay credit account with a credit limit of £600. In August 2016, NewDay incr... (7 pages)View decision -
Decision Reference DRN-3213245
11 Jan 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3213245 The complaint Ms Q complains that Everyday Lending Limited (“ELL”) lent to her in an irresponsible manner. And she further complains that ELL failed to treat her fairly when she faced problems repaying the loan. What happened I issued a provisional decision on this complaint in... (4 pages)View decision -
Decision Reference DRN-4573597
22 Jan 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4573597 The complaint Mr M complains that HSBC UK Bank Plc (trading as first direct) won’t refund the money he lost when he fell victim to a scam. What happened In late 2021, Mr M saw a video on his phone showing investments being discussed on a well-known television show. This prompte... (6 pages)View decision -
Decision Reference DRN-3349909
3 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3349909 The complaint Mr N complains that NewDay Ltd has refused to refund transactions (made using his NewDay credit card) to a fraudulent binary options company. What happened Mr N received a call from a representative of XMarkets.com (XMarkets) who sold him an investment opportunity... (7 pages)View decision -
Decision Reference DRN4383797
5 Sep 2019 Barclays Bank UK PLC Not upheldBanking and creditComplaintMrs M complains that Barclays Bank UK Plc won’t refund a number of online card payments that she says she neither made herself nor authorised anyone else to make. BackgroundIn October 2017 a number of online card payments were made from Mrs M’s account with Barclays to two betting... (3 pages)View decision -
Decision Reference DRN6585787
22 Sep 2016 Lending Stream Llc UpheldBanking and creditMr A says that Lending Stream Llc (‘LS’) shouldn’t have given him loans.backgroundMr A took seven loans from LS between 2011 and 2013. He says that he was having money troubles at the time and getting all these loans just made things worse.LS has said it did consi... (3 pages)View decision -
Decision Reference DRN6155883
23 Apr 2018 Gain Credit LLC UpheldBanking and creditMr S complains that Gain Credit LLC gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges.backgroundMr S took out ten loans with Gain Credit which he says weren’t affordable. The adjudicator recommended that the complaint should ... (2 pages)View decision
