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-2030239
13 Aug 2020 Gain Credit LLC Not upheldConsumer CreditDRN-2030239The complaintMr S complains Gain Credit LLC (“Lending Stream”) lent him money he couldn’t afford to repay. What happenedMr S took out an instalment loan with Lending Stream. The details for this loan are:Dateamountinstalmentsmonthly repayment Repayment date12 January 2012£2956up... (3 pages)View decision -
Decision Reference DRN2965320
13 Aug 2018 Casheuronet UK LLC UpheldBanking and creditMr C complains that CashEuroNet UK LLC, trading as QuickQuid, was irresponsible to give him loans that he couldn’t afford to pay back.backgroundMr C borrowed three times from QuickQuid. He deferred repayment twice and topped up two of the loans as follows:loan numb... (3 pages)View decision -
Decision Reference DRN-2569704
8 Mar 2021 Lendable Ltd Not upheldConsumer CreditDRN-2569704 Complaint Mr P has complained about a loan Lendable Limited (“Lendable”) provided to him. He says the loan was unaffordable. Background Lendable provided Mr P with a loan of £1,000.00 in June 2019. This loan was due to be repaid in 35 monthly instalments of £37.09 and a final i... (2 pages)View decision -
Decision Reference DRN3584047
25 Apr 2018 Provident Personal Credit Limited Not upheldBanking and creditMr H complains that Provident Personal Credit Limited (trading as Satsuma Loans) gave him instalment loans he couldn’t afford. He wants a refund of his interest and charges, with interest, and his credit file amended.background Mr H had six loans from Satsuma between Oc... (2 pages)View decision -
Decision Reference DRN-2895527
29 Jun 2021 TFS Loans Limited UpheldConsumer CreditDRN-2895527 The complaint Mr P says TFS Loans Limited lent to him irresponsibly. What happened Mr P took out a guarantor loan from TFS in December 2015. It was for £7,500 over 60 months. The monthly repayment was £270.25 and the total repayable was £16755. Mr P says he was given a loan he ... (3 pages)View decision -
Decision Reference DRN-3662836
23 Aug 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3662836 The complaint X has complained that the overdraft facility on his HSBC UK Bank Plc (“HSBC”) account was unaffordable and the charges applied to it have left him in persistent debt. What happened X complained to HSBC regarding the affordability of his overdraft and that the char... (3 pages)View decision -
Decision Reference DRN0385655
21 Dec 2017 Casheuronet UK LLC UpheldBanking and creditMr M complains about payday loans he has taken out with CashEuroNet UK LLC (trading as QuickQuid) which he says QuickQuid shouldn’t have given him because the borrowing wasn’t affordable. backgroundThe background to this complaint was set out in my provisional decisi... (5 pages)View decision -
Decision Reference DRN3240360
25 Nov 2019 Tesco Personal Finance PLC Not upheldBanking and creditMr W complains about a handling fee and interest Tesco Personal Finance Plc (trading as Tesco Bank) charged on his credit card. He says Tesco Bank shouldn’t have treated a payment he made as a cash transaction. backgroundMr W used his credit card to make a payment of £5,014 to clear the fi... (2 pages)View decision -
Decision Reference DRN4995792
21 Aug 2018 Bank of Scotland Plc Not upheldBanking and creditMr M complains that Bank of Scotland plc (trading as Halifax) failed to send him a new PIN which meant he couldn’t access funds in his account. backgroundIn March 2018 Mr M lost his bank card and asked Halifax to send him a replacement. He complained to Halifax as ... (2 pages)View decision -
Decision Reference DRN-4472557
18 Jan 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4472557 The complaint Mr B complains that NewDay Ltd trading as Aqua (‘NewDay Ltd’) irresponsibly gave him a credit card that he couldn’t afford. What happened On 9 May 2021, Mr B applied for and was given a credit card with a credit limit of £900. The credit limit was increased to £1,... (2 pages)View decision