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
-
Decision Reference DRN8031719
13 Mar 2018 Uncle Buck Finance LLP Not upheldBanking and creditMr M complains that Uncle Buck Finance LLP lent him money he couldn’t afford to repay.backgroundMr M took out five loans with Uncle Buck as follows: date applied for loanamountinstalmentsmonthly instalment amountRepayment dateFebruary 2015£200 3 £97April 2015April 2015£345... (3 pages)View decision -
Decision Reference DRN-3879758
13 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3879758 The complaint Mr S has complained that NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr S opened a credit card account with NewDay (trading as Aqua) in April 2018. His credit limit was £250. The limit was never increased. Mr S suggests that NewDay shouldn... (2 pages)View decision -
Decision Reference DRN-2850587
29 Mar 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2850587 The complaint Mr C complains Barclays Bank UK PLC (trading as Barclaycard) gave him a second credit card even though he had a credit card with them already and was struggling financially. What happened Mr C had a credit card with Barclaycard which he says he used in full. In Ma... (3 pages)View decision -
Decision Reference DRN-5155545
5 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5155545 The complaint Mr B complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happened Mr B applied for a credit card with Vanquis in January 2020. In his application, Mr B said he was employed with an income of £40,234 a year.... (2 pages)View decision -
Decision Reference DRN2943346
14 May 2019 Emergency Cash Limited UpheldBanking and creditMr H complains that Emergency Cash Limited (trading as Wizzcash.com) was irresponsible to lend him money.background Mr H had four loans from Wizzcash between July 2016 and February 2017 as follows:Loan Date AmountTermRepayment DueRepaid 127 Jul 2016£3403m£170.6325 Oct 2016On... (2 pages)View decision -
Decision Reference DRN1618541
4 Feb 2020 Quidie Limited UpheldBanking and creditMr L says that Quidie Limited irresponsibly lent to him.backgroundThis complaint is about 4 instalment loans Quidie provided to Mr L between October 2017 and August 2018. Mr L’s borrowing history is as follows:LoanDate TakenDateRepaidInstalmentsAmountApprox.MaximumRepayment105/10/201731/03... (3 pages)View decision -
Decision Reference DRN3139763
21 Feb 2017 WDFC UK Limited UpheldBanking and creditMr L complains that WDFC UK Limited (trading as Wonga.com) didn’t carry out proper affordability checks and irresponsibly granted him unaffordable payday loans. He says he was trapped in a spiral of debt. He wants the charges and interest refunded and his credit file amend... (3 pages)View decision -
Decision Reference DRN-5620183
15 Aug 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5620183 The complaint Mr F complains that Nationwide Building Society (Nationwide) closed his account and failed to support him. What happened Mr F had an account with Nationwide. In July 2024, Nationwide restricted the account while it carried out a review. It completed its review... (3 pages)View decision -
Decision Reference DRN0037929
5 Nov 2018 XTB Limited Not upheldInvestment and pensionsMr S complains XTB Limited wrongly closed out three of his trades on his spread betting account (for two different reasons) which caused him a financial loss of £350.58.backgroundMr S opened his trading account with XTB in December 2017, funding his account and p... (2 pages)View decision -
Decision Reference DRN5159775
15 Jan 2018 Casheuronet UK LLC UpheldBanking and creditMr W complains about the payday loans he took out with CashEuroNet UK LLC trading as QuickQuid. He says that the loans trapped him in a debt spiral and he was increasingly using expensive borrowing for his day to day expenses. He thinks QuickQuid didn’t do the chec... (7 pages)View decision
