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 DRN-4833904
13 Jun 2024 Lendable Ltd Not upheldConsumer CreditDRN-4833904 The complaint Mrs K complains that Lendable Ltd lent to her in an irresponsible manner. What happened Mrs K was given two loans by Lendable. She first borrowed £3,685 in July 2021 that she agreed to repay in 24 monthly instalments of £196. And, whilst the first loan was still a... (3 pages)View decision -
Decision Reference DRN5271817
22 May 2018 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited acted irresponsibly in approving his credit card application, which he says was unaffordable.backgroundVanquis approved a credit card application from Mr M in May 2015. This followed a telephone call with him in which he decl... (3 pages)View decision -
Decision Reference DRN-4833514
17 Jun 2024 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4833514 The complaint Mr F is unhappy that Bank of Scotland plc won’t refund a payment he says he didn’t make. What happened Mr F disputed an unrecognised £800 faster payment with Bank of Scotland. He explained that he met up with people who used his phone to supposedly look at his pho... (3 pages)View decision -
Decision Reference DRN7497916
20 May 2020 Indigo Michael Limited Not upheldBanking and creditComplaintMr M has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) provided him a facility despite reviewing his bank statements which showed that he was gambling. BackgroundMr M approached SNC for a Safety Net facility in December 2018. This was a running credit... (3 pages)View decision -
Decision Reference DRN-3846049
9 Dec 2022 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-3846049 The complaint Mr B says Brent Shrine Credit Union Limited, trading as My Community Bank, irresponsibly lent to him. What happened Mr B took out a 48-month loan for £10,000 on 4 September 2021. The monthly repayments were £251.14 and the total repayable was £12,381.45. Mr B repa... (3 pages)View decision -
Decision Reference DRN2348074
30 May 2018 Metro Bank PLC UpheldBanking and creditMr L feels that Metro Bank Plc (“Metro”) has treated him unfairly in relation to an £800 payment he made on his credit card to a binary options company.backgroundMr L accepts he made a payment of £800 on his credit card to a binary options company in order to trad... (3 pages)View decision -
Decision Reference DRN4979557
18 Jan 2019 TSB Bank plc Not upheldBanking and creditMr W feels that TSB Bank Plc has treated him unfairly in lending to him irresponsibly on a loan and an overdraft; and the application of fees and charges applied to his account over a significant amount of time.backgroundMr W says that TSB has treated him unfairl... (2 pages)View decision -
Decision Reference DRN6895181
1 Aug 2018 Casheuronet UK LLC UpheldBanking and creditMr A complains that CashEuroNet UK LLC (trading as QuickQuid) gave him money that he couldn’t afford to repay.backgroundMr A took out seven loans with QuickQuid between October 2016 and August 2017. It offered to refund interest and charges on loans six and seven.Th... (3 pages)View decision -
Decision Reference DRN5149399
22 May 2015 Nationwide Building Society UpheldBanking and creditMr S complains that Nationwide Building Society keeps declining frequent, regular payments to an online funded electronic wallet. This has caused him distress and inconvenience.backgroundMr S has an account with the building society. He gambles regularly, using an online... (2 pages)View decision -
Decision Reference DRN4666214
22 Nov 2019 Indigo Michael Limited UpheldBanking and creditMr M has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) didn’t carry out sufficient affordability checks before granting him a Safety Net facility. Mr M also says, had SNC carried out sufficient checks, it would’ve seen that he couldn’t afford it. backgroundMr ... (5 pages)View decision
