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 DRN-4055523
13 Apr 2023 Everyday Lending Limited Not upheldConsumer CreditDRN-4055523 Complaint Mr E has complained about a loan Everyday Lending Limited (trading as “Everyday Loans”) provided to him. He says the loan was unaffordable and shouldn’t have been provided. Background Everyday Loans provided Mr E with a loan for £2,000.00 in June 2019. This loan was d... (2 pages)View decision -
Decision Reference DRN2086185
9 Oct 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr P complains that Curo Transatlantic Limited trading as Wage Day Advance (WDA) gave him payday loans he couldn’t afford. He wants a refund of the interest and charges he paid, with interest.backgroundMr P had twelve loans from WDA between April 2009 and July 2013. ... (2 pages)View decision -
Decision Reference DRN-2569515
26 Feb 2021 Loans 2 Go Limited Not upheldConsumer CreditDRN-2569515 The complaint Mr M complains that Loans 2 Go Limited acted irresponsibly by granting him a loan that was unaffordable. He’s also unhappy about the amount of interest he’s been charged. What happened In October 2019, Mr M took out a loan with Loans 2 Go for £500. He later compla... (2 pages)View decision -
Decision Reference DRN-3978037
10 Mar 2023 Madison CF UK Limited Not upheldConsumer CreditDRN-3978037 The complaint Mr J complains that Madison CF UK Limited trading as 118 118 Money irresponsibly lent to him. Mr J says the lending increased his debt and he couldn’t afford to repay it. What happened In April 2020, 118 118 Money lent Mr J a loan for £1,000. The interest on the l... (2 pages)View decision -
Decision Reference DRN9047996
22 Aug 2016 Europaische Reiseversicherung AG UpheldInsurance (excluding PPI)Mr and Mrs C complain that Europaische Reiseversicherung AG (ERV) didn’t pay their holiday cancellation claim under their travel insurance.backgroundMr and Mrs C renewed their annual travel policy with ERV in November. They each declared two medical conditions which ERV acc... (3 pages)View decision -
Decision Reference DRN-4605353
21 Feb 2024 Nationwide Building Society UpheldBanking and PaymentsDRN-4605353 The complaint Mr C complains Nationwide Building Society didn’t do enough to protect him when he fell victim to an investment scam. What happened Mr C has several accounts with Nationwide and has been a customer of theirs since 2013. Mr C says he received a friend request on a ... (3 pages)View decision -
Decision Reference DRN-1692901
1 May 2020 TFS Loans Limited UpheldConsumer CreditDRN-1692901ComplaintMr C has complained that TFS Loans Limited (“TFS”) irresponsibly provided him with an unaffordable guarantor loan. He says that he doesn’t think that enough checks were completed to make a fair judgement of affordability and the lending was unfair. BackgroundTFS provide... (5 pages)View decision -
Decision Reference DRN-3406564
27 Apr 2022 Volkswagen Financial Services (UK) Limited Not upheldConsumer CreditDRN-3406564 The complaint Mr A believes Volkswagen Financial Services (UK) Limited (VWFS) acted irresponsibly by agreeing a hire purchase agreement he’d applied for. Mr A is being represented in this complaint by Mrs A. But, for ease of reference, my decision will refer to them both as Mr ... (5 pages)View decision -
Decision Reference DRN-2880056
16 Feb 2022 Bamboo Limited UpheldConsumer CreditDRN-2880056 Complaint Mr O has complained that Bamboo Limited (“Bamboo”) irresponsibly provided him with unaffordable guarantor loans. Background Bamboo provided Mr O with an initial loan of £4,000.00 in June 2015. The loan was secured by way of a guarantee and indemnity agreement and was ... (5 pages)View decision -
Decision Reference DRN-4208729
10 Jul 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4208729 The complaint Mr P complains that Barclays Bank UK PLC, trading as Barclaycard, irresponsibly provided him with two credit cards he couldn’t afford to repay. What happened In December 2003, it seems Barclays opened a credit card account for Mr P with a credit limit of £3,500. I... (2 pages)View decision
