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 DRN0237716
11 Oct 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr W complains that Curo Transatlantic Limited trading as Wage Day Advance (WDA) gave him unaffordable payday loans and an instalment loan. He wants compensation and for his credit file to be amended. backgroundMr W had nine payday loans and one instalment loan from WDA ... (2 pages)View decision -
Decision Reference DRN0656844
6 Feb 2019 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr D complains that CURO TRANSATLANTIC LIMITED (trading as WageDayAdvance) was irresponsible to continue to lend to him. He further complains that WageDayAdvance addressed him incorrectly in its correspondence.backgroundMr D had six loans from WageDayAdvance between Decem... (3 pages)View decision -
Decision Reference DRN0264947
27 Sep 2017 Lending Stream Llc UpheldBanking and creditMrs W complains that Lending Stream LLC gave her loans she couldn’t afford to repay.backgroundMrs W took out the following loans with Lending Stream date £ amount borrowed118 May 2013215222 May 2013205314 July 2013115In August 2013, Mrs W told Lending Stream she coul... (3 pages)View decision -
Decision Reference DRN-3235863
7 Mar 2022 Shelby Finance Ltd Not upheldConsumer CreditDRN-3235863 The complaint Mr H says Shelby Finance Ltd (trading as Dot Dot Loans) irresponsibly lent to him. What happened This complaint is about one instalment loan Shelby provided to Mr H in September 2019. The loan was for £750 and was to be repaid in nine monthly instalments, the high... (2 pages)View decision -
Decision Reference DRN8593272
15 Oct 2018 Emergency Cash Limited UpheldBanking and creditMr T complains that Emergency Cash Limited (trading as Wizzcash.com) gave him unaffordable instalment loans. He wants a refund.backgroundMr T had four loans from Wizzcash.com between August 2017 and December 2017. He said he was gambling at the time and borrowing from a... (2 pages)View decision -
Decision Reference DRN-4473321
20 Feb 2024 Home Retail Group Card Services Limited Not upheldConsumer CreditDRN-4473321 The complaint Mr C complains that Home Retail Group Card Services Limited trading as Argos Financial Services (‘Home Retail Group’) irresponsibly gave him a store card that he couldn’t afford. What happened On 1 June 2016, Mr C’s store card was opened by Home Retail Group with ... (2 pages)View decision -
Decision Reference DRN9140302
11 Jun 2015 Barclays Bank Plc Not upheldBanking and creditMr N complains that Barclays Bank PLC will not refund a series of disputed transactions on his account, and did not deal correctly with his complaint.backgroundMr N agrees that he used his debit card to make a transaction at a bookmakers. He says he did this on behal... (2 pages)View decision -
Decision Reference DRN-4661679
5 Mar 2024 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4661679 The complaint Mr P says Brent Shrine Credit Union Limited, trading as My Community Bank, irresponsibly lent to him. What happened Mr P took out a 48-month loan for £20,000 on 5 July 2022. The monthly repayments were £552.97 and the total repayable was £26,939.91. Mr P says Bren... (3 pages)View decision -
Decision Reference DRN-2883002
29 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2883002 The complaint Mr W says Vanquis Bank Limited acted irresponsibly when providing him with a credit card in 2009. What happened In January 2009 Mr W applied for a credit card with Vanquis. His application was approved with a limit of £250. The account defaulted in 2011 and was su... (2 pages)View decision -
Decision Reference DRN-1670932
17 Apr 2020 Chetwood Financial Limited Not upheldConsumer CreditDRN-1670932The complaintMrs B complains that Chetwood Financial Limited (“CFL”) lent to her irresponsibly.What happenedAt the beginning of April 2018 Mrs B applied for a loan with CFL through a third party agency. The loan was for £3,000 over a period of 12 months and the monthly repayment... (2 pages)View decision
