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 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 DRN9084869
4 Feb 2021 Mobile Money Limited UpheldBanking and creditMrs P has complained that Mobile Money Limited (“MML”) was irresponsible to have agreed credit for her. background MML provided Mrs P with a loan of £840 in November 2018. The total repayable including interest and charges came to £2,383, to be repaid over 18 months at £132 a month (all fi... (4 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 -
Decision Reference DRN0430907
11 Apr 2016 Provident Personal Credit Limited UpheldBanking and creditMr S complains that Provident Personal Credit Limited gave him two loans without carrying out affordability checks. He wants the outstanding balance written off and the default removed.backgroundMr S says the affordability checks were falsified and it is not his signature... (3 pages)View decision -
Decision Reference DRN6279425
7 Feb 2018 DJS (UK) Limited UpheldBanking and creditMr T complains that DJS (UK) Limited, trading as PiggyBank, was irresponsible to have provided him with a number of payday loans.backgroundMr T was provided with 17 payday loans by DJS as follows:-Number of loanDate of loanAmount repayable1.17/3/2014£332.532.17/4/2014... (4 pages)View decision -
Decision Reference DRN-5640369
7 Jul 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5640369 Complaint Mr H has complained about the overdraft charges Santander UK Plc (“Santander”) applied to his account. Mr H is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr H’s account were unfair as there w... (5 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 -
Decision Reference DRN-4410401
3 Nov 2023 Sporting Index Limited Not upheldInvestmentsDRN-4410401 The complaint Mr L complains that Sporting Index Limited let him trade using a trading facility without carrying out appropriate checks. He also says that it let him trade throughout the years without picking up on his vulnerability. He says that he lost a significant amount of... (7 pages)View decision
