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 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 -
Decision Reference DRN8069413
13 Jul 2017 Lending Stream Llc UpheldBanking and creditMr K complains that Lending Stream LLC shouldn’t have given him instalment loans because of his bad credit history. He wants a refund of the interest he paid. backgroundMr K had 37 instalment loans from Lending Stream between May 2013 and October 2016. He said he was... (2 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 DRN7932066
1 Nov 2016 Cfo Lending Limited UpheldBanking and creditMrs K complains that CFO Lending Limited lent payday loans to her irresponsibly and this trapped her in a spiral of debt. She wants a refund of the interest and charges she paid on her loans, with interest.backgroundMrs K took out four loans from CFO Lending with... (2 pages)View decision -
Decision Reference DRN7012152
5 May 2017 Lending Stream Llc UpheldBanking and creditMiss H complains Lending Stream LLC lent her money she couldn’t afford to repay.backgroundMiss H took out two instalment loans with Lending Stream:date takenamountinstalmentshighest monthly paymentDate repaid11 March 2012£1005£63.2520 April 20125 May 2012£7656£382.5028 June ... (3 pages)View decision -
Decision Reference DRN2697139
13 Oct 2017 Lending Stream Llc UpheldBanking and creditMr P complains that Lending Stream LLC gave him unaffordable instalment loans. He wants compensation and for his credit file to be amended.backgroundMr P had six loans from Lending Stream between October 2012 and March 2013. He said Lending Stream hadn’t carried out suff... (2 pages)View decision