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 5478 results
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Decision Reference DRN1113885
19 Dec 2019 Logbook Money Limited UpheldBanking and creditMr J has complained that Logbook Money Limited (“Logbook Money”) irresponsibly provided him with a logbook loan. backgroundLogbook Money provided Mr J with a loan of £1,100 in December 2017. The loan was due to be repaid in 78 weekly instalments of £39.49. This meant that the total cost o... (2 pages)View decision -
Decision Reference DRN6780211
27 Dec 2017 Western Circle Limited Not upheldBanking and creditMr M complains that Western Circle Ltd (trading as Cashfloat) gave him a loan that he couldn’t afford to repay.backgroundMr M was given a single loan by Cashfloat in April 2016. He borrowed £400 that was repayable in two, monthly, instalments of £253. Shortly after bo... (2 pages)View decision -
Decision Reference DRN-3408807
5 Apr 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3408807 The complaint Mr T complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk acted irresponsibly when lending to him. What happened MoneyBoat provided Mr T with loans as follows: Loan Date taken Date paid Monthly Instalments Loan amount Highest repayment 1 21/0... (4 pages)View decision -
Decision Reference DRN6812012
20 Jun 2018 Casheuronet UK LLC Not upheldBanking and creditMr G says that CashEuroNet UK LLC, trading as Quick Quid, lent to him irresponsibly.backgroundI issued my provisional decision on this case on 5 June 2018. A copy of it is attached and forms part of this final decision. The full background to this complaint is set ou... (4 pages)View decision -
Decision Reference DRN-3669632
26 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3669632 The complaint Mrs H complains that NewDay Ltd provided her with two credit cards and increased the limit on both without adequately checking that she could afford any repayments. What happened Mrs H applied for and was provided with two credit cards by NewDay. The cards and dat... (5 pages)View decision -
Decision Reference DRN-2979008
8 Sep 2021 Bank of Scotland Plc UpheldBanking and PaymentsDRN-2979008 The complaint Mr M has complained that Bank of Scotland plc (“BOS”) trading as Halifax continued charging him excessive amounts for his overdraft when he was in financial difficulty. What happened Mr M has complained about unaffordable lending relating to overdraft increases. H... (2 pages)View decision -
Decision Reference DRN-3369300
26 Apr 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3369300 Complaint Ms H is unhappy that Barclays Bank UK PLC hasn’t refunded multiple transactions from her account that she says were fraudulent. Background In June 2020, Ms H received three substantial payments from the Department for Work and Pensions. The total value of those three ... (2 pages)View decision -
Decision Reference DRN0514231
2 Oct 2018 PDL Finance Limited Not upheldBanking and creditMs A complains that PDL Finance Limited (trading as Mr Lender) gave her loans that she couldn’t afford to repay.backgroundMs A was given three loans by Mr Lender between January 2017 and February 2018. Each of the loans was scheduled to be paid in instalments – the f... (2 pages)View decision -
Decision Reference DRN-3148583
22 Nov 2021 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3148583 Complaint Mr S has complained that HSBC UK Bank Plc (“HSBC”) unfairly continued applying charges to his overdraft when it ought to have realised that it was irresponsible to continue providing it. Background One of our adjudicators looked at this complaint and HSBC shouldn’t h... (2 pages)View decision -
Decision Reference DRN-5393420
14 Apr 2025 Salad Finance Limited Not upheldConsumer CreditDRN-5393420 The complaint Mr H complains that Salad Finance Limited lent to him irresponsibly. What happened In August 2023, Mr H took out a loan with Salad Finance for £500.00 over 12 months. The monthly repayment figure was £57.42. In March 2024, Mr H made an additional loan applica... (2 pages)View decision