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 5478 results
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Decision Reference DRN6626361
26 Mar 2014 Barclays Bank Plc Not upheldBanking and creditMiss O complains that Barclays Bank Plc held her responsible for transactions that she says she did not make herself. Miss O is represented by her mother in referring her complaint. backgroundMiss O received an inheritance of nearly £80,000 in October 2012, which she deposited into a s... (2 pages)View decision -
Decision Reference DRN-3394157
8 Apr 2022 PDL Finance Limited Not upheldConsumer CreditDRN-3394157 The complaint Ms E says PDL Finance Limited (trading as Mr Lender) irresponsibly lent to her. What happened This complaint is about one instalment loan Mr Lender provided to Ms E in March 2021. The loan was for £200 and was to be repaid in six instalments, with the highest bein... (2 pages)View decision -
Decision Reference DRN-4601302
6 Feb 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4601302 The complaint Mr B, through a representative, says Barclays Bank UK PLC, trading as Barclaycard, irresponsibly lent to him. What happened Barclaycard provided Mr B with a credit card with a limit of £1,000 in August 2010. The limit was then changed (up and down) over the subseq... (3 pages)View decision -
Decision Reference DRN7720289
24 Jan 2018 Stagemount Limited Not upheldBanking and creditMr D complains that Stagemount Limited (trading as Quid Market) lent money to him that he could not afford to repay.backgroundMr D took out a loan with Quid Market in August 2017. The loan was for £500 repayable over 4 months with monthly repayments of around £208. ... (2 pages)View decision -
Decision Reference DRN-4573597
22 Jan 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4573597 The complaint Mr M complains that HSBC UK Bank Plc (trading as first direct) won’t refund the money he lost when he fell victim to a scam. What happened In late 2021, Mr M saw a video on his phone showing investments being discussed on a well-known television show. This prompte... (6 pages)View decision -
Decision Reference DRN8257198
12 Dec 2018 Quidie Limited UpheldBanking and creditMr M says Quidie Limited lent to him irresponsibly.backgroundI sent Mr M and Quidie my provisional decision on 21 November 2018. A copy of it is attached and it forms part of this final decision. The full background to the complaint is set out in my provisional decisi... (5 pages)View decision -
Decision Reference DRN8344042
30 Aug 2019 Casheuronet UK LLC UpheldBanking and creditMr S complains that CashEuroNet UK LLC, trading as QuickQuid, was irresponsible when it provided a number of loans to him.backgroundMr S took seven loans with QuickQuid between June 2016 and September 2017. This table contains some of the information QuickQuid has provided about Mr S’s loa... (5 pages)View decision -
Decision Reference DRN-2902330
30 Jun 2021 Advancis Limited UpheldConsumer CreditDRN-2902330 The complaint Mr B complained that Advancis Limited trading as Buddy Loans lent to him irresponsibly. What happened Mr B took out a loan with Buddy Loans as follows: Loan Date Amount Term Monthly repayment 1 06/06/17 £4,000 48 months £171.10 Mr B brought his complaint to us whe... (5 pages)View decision -
Decision Reference DRN-4361274
18 Dec 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4361274 The complaint Mr N complains that Bank of Scotland Plc (trading as Halifax) won’t refund the money he lost to an investment scam. Mr N is represented by a third party, but for ease of reading, I’ll refer to all submissions as having come from Mr N alone. What happened In 2015, ... (5 pages)View decision -
Decision Reference DRN9449139
15 May 2017 Casheuronet UK LLC Not upheldBanking and creditMr F complains that CashEuroNet UK LLC (trading as Quick Quid) gave him short-term loans which were unaffordable. background Mr F took 11 loans with Quick Quid over an 18 month period as follows:Loan DateLoan amount (£)Rollover date(s)Repaid date119/04/2012 40027/04/... (5 pages)View decision