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-4907731
21 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4907731 The complaint Mr S complains that Vanquis Bank Limited (trading as Chrome Card) was irresponsible to lend to him. What happened Mr S was approved for a credit card with Vanquis on 2 July 2019. The credit limit was £1,000 and this was never changed. Mr S says that when he a... (3 pages)View decision -
Decision Reference DRN-4382098
5 Oct 2023 American Express Services Europe Limited UpheldBanking and PaymentsDRN-4382098 The complaint Miss B says American Express Services Europe Limited irresponsibly lent to her. What happened Miss B applied online for a credit card on 27 May 2021. She was given a £1,000 limit. Miss B says her credit file can’t have been properly checked, she had significant de... (3 pages)View decision -
Decision Reference DRN-1197666
29 May 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-1197666 The complaintA, a limited company, has complained Santander UK plc didn't cancel one of their company cards when requested. What happenedMr H, a director of A, contacted Santander in March 2019 to query the latest transactions on a company debit card. This card had been gi... (3 pages)View decision -
Decision Reference DRN-3270895
1 Feb 2022 Zopa Limited Not upheldConsumer CreditDRN-3270895 The complaint Mr L complains that Zopa Limited lent to him in an irresponsible manner. What happened I issued a provisional decision on this complaint in December 2021. In that decision I explained why I didn’t think the complaint should be upheld. Both parties have received a ... (2 pages)View decision -
Decision Reference DRN6940347
15 May 2017 WDFC UK Limited UpheldBanking and creditMr P complains that WDFC UK Limited (trading as wonga.com) gave him unaffordable payday loans. He wants a refund of the interest and charges he paid, with interest, and for his credit file to be amended.backgroundMr P had 15 loans from Wonga between October 2014 and Au... (2 pages)View decision -
Decision Reference DRN-4885880
29 Oct 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4885880 The complaint Mr M has complained Zopa Bank Limited is asking him to repay a fixed-sum loan he didn’t take out. What happened In January 2024, Mr M’s partner, Ms M, died suddenly. As Mr M was sorting out her affairs, he discovered Ms M had been gambling secretly and had take... (3 pages)View decision -
Decision Reference DRN2921360
6 Jul 2017 Instant Cash Loans Limited UpheldBanking and creditMr H complaints about loans he took out with Instant Cash Loans Limited (trading as Payday UK) which he says he shouldn’t have been given because the loans weren’t affordable. backgroundMr H’s borrowing history is as follows; loan numberloan amount received date actual... (3 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 DRN5862788
2 Aug 2017 Casheuronet UK LLC UpheldBanking and creditMr N complains CashEuroNet UK LLC (trading as QuickQuid and Pounds to Pocket) lent him money he couldn’t afford to repay.backgroundBetween May 2013 and June 2015 Mr N took out a total of 18 loans with CashEuroNet. All but one of these loans was with CashEuroNet trad... (3 pages)View decision -
Decision Reference DRN9427782
22 Aug 2018 HSBC Bank plc Not upheldBanking and creditMr N makes a number of complaints about the way in which HSBC Bank plc dealt with his chargeback complaint and that HSBC says he now owes it a large amount of money.backgroundMr N says he was persuaded by a company, I will call B, to make a number of payments to... (2 pages)View decision
