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 5204 results
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Decision Reference DRN4291877
26 Jan 2017 PDL Finance Limited UpheldBanking and creditMr K has complained about short-term loans granted to him by PDL Finance Limited trading as Mr Lender (“Mr Lender” or “the lender”). backgroundMr Lender agreed five short-term loans for Mr K between February and December 2012. Mr K says Mr Lender should not have lent... (3 pages)View decision -
Decision Reference DRN-2649576
3 Mar 2021 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-2649576 Complaint Mr S has complained that The Royal Bank of Scotland Plc (“RBS”) unfairly continued to applying charges to his overdraft when he was in financial difficulty. Background to the complaint and my provisional decision of 16 February 2021 One of our investigators looked at... (3 pages)View decision -
Decision Reference DRN7878153
9 Aug 2017 WDFC UK Limited UpheldBanking and creditMr H complains that WDFC UK Limited (trading as Wonga.com) gave him loans that he couldn’t afford. backgroundMr H took out a total of seven loans with Wonga between September 2015 and May 2016, and he topped several of them up. He believes that if Wonga had carried... (3 pages)View decision -
Decision Reference DRN7130574
11 Apr 2017 MEM Consumer Finance Limited UpheldBanking and creditMr R complains that MEM Consumer Finance Limited (trading as Payday UK) gave him unaffordable payday loans.backgroundMr R had 12 loans from Payday UK between September 2011 and July 2013. He said he was borrowing increasing amounts from other short-term lenders and he cou... (3 pages)View decision -
Decision Reference DRN6125355
22 Nov 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr W complains that Curo Transatlantic Limited, trading as WageDay Advance, gave him loans he couldn’t afford to repay. backgroundMr W took out the following loans with WageDay Advance: date £ amount borrowed16 April 201610028 May 2016100310 August 201680411 September 20... (3 pages)View decision -
Decision Reference DRN-4091282
5 Jun 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4091282 The complaint Mr G has complained that HSBC UK Bank Plc (“HSBC”) acted unfairly by continuing to apply charges to his account when he was in financial difficulty. What happened Mr G held and account with HSBC with an overdraft facility. Mr G complained to HSBC that it acted unf... (3 pages)View decision -
Decision Reference DRN-5072536
16 Oct 2024 National Westminster Bank Plc Not upheldConsumer CreditDRN-5072536 The complaint Miss C complains that National Westminster Bank Plc was irresponsible in its lending to her. She wants all fees and interest removed from the loan and her credit file amended along with compensation. What happened NatWest provided Miss C with a £12,000 loan in ... (3 pages)View decision -
Decision Reference DRN-3392888
29 Mar 2022 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-3392888 Complaint Mr B has complained that The Royal Bank of Scotland Plc (“RBS”) irresponsibly provided him with an overdraft which it continued applying charges on even when he was in financial difficulty. Background and my provisional decision of 11 March 2022 One of our investigato... (3 pages)View decision -
Decision Reference DRN8032674
20 Sep 2018 MEM Consumer Finance Limited UpheldBanking and creditMr W complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans that he couldn’t afford to repay.backgroundMr W was given eight loans by Payday UK between April 2013 and April 2014. He needed to defer his repayment on four of the loans by payi... (3 pages)View decision -
Decision Reference DRN-5772179
15 Oct 2025 Fairscore Ltd Not upheldConsumer CreditDRN-5772179 The complaint Miss A complains that Fairscore Ltd trading as Updraft was irresponsible in its lending to her. What happened Miss A was provided with an £11,000 loan by Updraft in October 2024. The loan term was 49 months, and Miss A was required to make monthly repayments of... (3 pages)View decision
