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 DRN6494793
9 Jan 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr W complains that Curo Transatlantic Limited trading as WageDay Advance (“WDA”) gave him loans that he couldn’t afford to repay.backgroundThe background to this complaint was set out in my provisional decision dated December 2017. An extract from this is attached ... (6 pages)View decision -
Decision Reference DRN-2322116
4 Dec 2020 CMC Spreadbet Plc Not upheldInvestmentsDRN-2322116 The complaint Mr K is unhappy with how CMC Spreadbet Plc handled one of his trades and has wider concerns about his spread betting account. What happened Mr K opened a trading account with CMC in 2012. Because of the products on offer, part of the online application process req... (4 pages)View decision -
Decision Reference DRN6907153
8 Nov 2016 Lending Stream Llc Not upheldBanking and creditMr N has complained about short-term loans granted to him by Lending Stream LLC (“Lending Stream” or “the lender”). Mr N says he couldn’t afford these loans and he feels it was irresponsible of Lending Stream to have agreed them.backgroundThe background to the compla... (4 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 -
Decision Reference DRN3965135
9 Jun 2016 Provident Personal Credit Limited Not upheldBanking and creditMr L complains that Provident Personal Credit Limited (trading as Satsuma) didn’t properly consider his financial circumstances and lent him money that he couldn’t afford to pay back.backgroundMr L explains that he took out a number of loans with Satsuma starting in Sept... (2 pages)View decision -
Decision Reference DRN1019734
6 Dec 2019 Novaloans Ltd Not upheldBanking and creditMr D complains that Novaloans Ltd (trading as Cash4unow) lent to him irresponsibly.backgroundMr D took out a total of three loans from Cash4unow between September and November 2018.LoanDate borrowedAmount Date repaid108.09.18£40006.11.18£125.89206.11.18£77012.11.18£244.26312.11.18£770-£23... (3 pages)View decision -
Decision Reference DRN0366375
17 Jan 2020 Uncle Buck Finance LLP Not upheldBanking and creditMr A’s complained about two high-cost short-term credit instalment loans he took out with Uncle Buck Finance LLP (trading as “Uncle Buck”). He says Uncle Buck shouldn’t have lent to him as he was already in a substantial amount of debt.backgroundOne of our adjudicators reviewed what Mr A a... (2 pages)View decision -
Decision Reference DRN-3119559
4 Jan 2022 TFS Loans Limited UpheldConsumer CreditDRN-3119559 The complaint Mr R complained that TFS Loans Limited lent to him irresponsibly and provided him with loans that were unaffordable. What happened TFS provided loans to Mr R as follows: Loan Date of loan Loan amount Term (months) Monthly repayment Interest (APR) Total amount 1 06... (5 pages)View decision -
Decision Reference DRN-3589852
13 Jul 2022 Capital One (Europe) plc UpheldBanking and PaymentsDRN-3589852 The complaint Mr P has complained he took out a credit card with Capital One which he couldn’t afford, and it subsequently defaulted. Since that, Capital One have lent him a further two credit cards. He feels this has trapped him in a cycle of debt which he couldn’t afford. Wha... (5 pages)View decision
