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 DRN4120846
4 Dec 2017 WDFC UK Limited UpheldBanking and creditMr M complains that WDFC UK Limited (trading as Wonga) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges, pays compensation, writes off the remaining balance and removes information about the loans from his credit file. backgro... (4 pages)View decision -
Decision Reference DRN5342925
13 Feb 2018 Gain Credit LLC UpheldBanking and creditMr S complains that Gain Credit LLC (trading as Lending Stream) gave him loans that he couldn’t afford to repay.backgroundMr S was given 34 loans by Lending Stream between October 2012 and April 2017. Mr S’s first loan was repayable in five monthly instalments. T... (5 pages)View decision -
Decision Reference DRN-3453874
3 May 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-3453874 The complaint Miss R says Loans 2 Go Limited irresponsibly lent to her. What happened This complaint is about a personal loan provided by Loans 2 Go to Miss R in April 2021. The loan was for £1000 and was to be repaid by Miss R over 18 months. There is a balance that remains to... (3 pages)View decision -
Decision Reference DRN-3247062
7 Feb 2022 Marks & Spencer Financial Services plc UpheldBanking and PaymentsDRN-3247062 Complaint Mr D has complained that Marks & Spencer Financial Services Plc (trading as “M&S” Bank) unfairly continued applying charges to his overdraft when he was in financial difficulty. Background One of our adjudicators looked at this complaint and thought that M&... (2 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 -
Decision Reference DRN-4007020
20 Apr 2023 Barclays Bank UK PLC Not upheldConsumer CreditDRN-4007020 The complaint Ms H says Barclays Bank UK PLC irresponsibly lent to her. What happened Ms H took out a personal loan with Barclays in October 2018. The loan was for £25,000 over a 60-month term, with monthly repayments of around £480. It was for home improvements. At the time of... (2 pages)View decision -
Decision Reference DRN-3618258
28 Jul 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3618258 The complaint Mrs H complains that the loan she had from Evergreen Finance London Limited (trading as Moneyboat) was unaffordable. What happened Mrs H borrowed £600 from Moneyboat on 12 August 2021. The loan was due to be repaid by six monthly instalments of £169.55 with the la... (3 pages)View decision -
Decision Reference DRN-4512745
14 Dec 2023 Link Financial Outsourcing Limited UpheldConsumer CreditDRN-4512745 The complaint Mr K complains to Link Financial Outsourcing Limited (trading as Asset Link Capital (No. 7)) that the loan he had was lent irresponsibly. What happened Mr K took out a loan and a credit card with NewDay. In July 2021, Asset Link Capital bought the loan account fro... (3 pages)View decision -
Decision Reference DRN0460368
25 Oct 2017 Santander UK Plc Not upheldBanking and creditMr P complains about how Santander UK Plc reacted when he paid his monthly credit card account payment early.backgroundMr P said he was going on holiday in August 2017. He didn’t think he would be able to make a payment onto his card account while he was away, and... (2 pages)View decision -
Decision Reference DRN4232104
3 Nov 2017 National Westminster Bank Plc Not upheldBanking and creditMrs B’s complaint is that National Westminster Bank Plc (“Natwest”) was negligent in paying out her ISA to a fraudster.backgroundIn around July 2006 Mrs B, and her husband (now divorced) took out investment ISAs with Natwest, for £8,000 each.In March 2009, Natwest receive... (2 pages)View decision
