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 DRN6657591
4 Oct 2018 Active Securities Limited UpheldBanking and creditMiss F says that the loans she applied for were approved by Active Securities Limited, trading as 247Moneybox.com (“Moneybox”) without it doing proper affordability checks. It didn’t properly assess Miss F’s signs of indebtedness and lent her money she couldn’t afford t... (3 pages)View decision -
Decision Reference DRN6100526
21 Nov 2014 W H Ireland Limited Not upheldInvestment and pensionsMr and Mrs C’s complaint concerns investment advice they received from W H Ireland Limited (‘WHI’). They say: WHI did not establish their attitude to risk, or carry out any review of their investment needs. They were inexperienced investors and the share purchases WHI made on their be... (9 pages)View decision -
Decision Reference DRN9067001
22 Dec 2016 MEM Consumer Finance Limited UpheldBanking and creditMrs P complains that MEM Consumer Finance Limited trading as Payday UK gave her loans she couldn’t afford to repay. backgroundMrs P has told us that she borrowed money from Payday UK between 2009 and 2015. She doesn’t feel Payday UK did enough to check she could affor... (2 pages)View decision -
Decision Reference DRN0669696
23 Jun 2017 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC gave him loans he couldn’t afford to repay. background Mr H took out three loans with Lending Stream between January and March 2014. He says he was also borrowing from other payday lenders and had a gambling problem. He says Lending... (3 pages)View decision -
Decision Reference DRN1160667
9 Oct 2018 Casheuronet UK LLC Not upheldBanking and creditMiss M complains that CashEuroNet UK LLC (trading as Quick Quid) was irresponsible to offer her loans she couldn’t afford to repay. She asks that it refunds interest and charges and removes information about the loans from her credit file.backgroundMiss M took out four ... (3 pages)View decision -
Decision Reference DRN3906961
5 Jun 2017 Lending Stream Llc Not upheldBanking and creditMr Z complains Lending Stream LLC lent him money he couldn’t afford.backgroundMr Z took out four instalment loans in the space of a few weeks as follows: date takenamountinstalments highest monthly paymentDate repaid 28 May 2013 £165 5 £90.75 7 August 2013 5 June 2013 £... (3 pages)View decision -
Decision Reference DRN9552049
4 Jul 2014 Kleinwort Benson Bank Ltd Not upheldInvestment and pensionsMr A had a discretionary management arrangement with Kleinwort Benson Bank Ltd. Mr A’s complaint is that Kleinwort Benson converted his investments – both pension and non- pension - to ‘cash’ holdings without his consent and without informing him before doing so. He considers that Kleinw... (7 pages)View decision -
Decision Reference DRN6673359
11 Mar 2019 Casheuronet UK LLC UpheldBanking and creditMr M has complained about short-term loans granted to him by CashEuroNet UK LLC trading as Quick Quid (“Quick Quid” or “the lender”).backgroundI set out the circumstances leading to this complaint and my initial conclusions in a provisional decision to both parties ... (8 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
