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 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 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 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 DRN1387090
29 Jun 2018 Active Securities Limited UpheldBanking and creditMr W complains that Active Securities Limited (trading as 247 Moneybox) lent him money that he couldn’t afford to repay.background247 Moneybox gave Mr W five loans between May 2016 and January 2017. Loan NumberBorrowing DateLoan Amount Repayment Amount 1 13/05/2016 £80 £1... (3 pages)View decision -
Decision Reference DRN5973139
2 Jun 2017 Lending Stream Llc UpheldBanking and creditMr C complains that Lending Stream LLC gave him loans he couldn’t afford to pay back. backgroundMr C took out the following instalment loans with Lending Stream. The loans were repayable over five to six months. date takenamountmaximum repaymentdate repaid 23 June 2012£100£... (3 pages)View decision -
Decision Reference DRN-4523144
9 Apr 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4523144 The complaint Mr L is unhappy Lloyds Bank PLC granted him an overdraft, and then closed his current account before he could come to an arrangement to repay the overdraft. What happened From the information I have, Mr L took out an overdraft for £1,000 on 10 June 2021. Mr L says... (2 pages)View decision
