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 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 DRN2348074
30 May 2018 Metro Bank PLC UpheldBanking and creditMr L feels that Metro Bank Plc (“Metro”) has treated him unfairly in relation to an £800 payment he made on his credit card to a binary options company.backgroundMr L accepts he made a payment of £800 on his credit card to a binary options company in order to trad... (3 pages)View decision -
Decision Reference DRN6895181
1 Aug 2018 Casheuronet UK LLC UpheldBanking and creditMr A complains that CashEuroNet UK LLC (trading as QuickQuid) gave him money that he couldn’t afford to repay.backgroundMr A took out seven loans with QuickQuid between October 2016 and August 2017. It offered to refund interest and charges on loans six and seven.Th... (3 pages)View decision -
Decision Reference DRN4979557
18 Jan 2019 TSB Bank plc Not upheldBanking and creditMr W feels that TSB Bank Plc has treated him unfairly in lending to him irresponsibly on a loan and an overdraft; and the application of fees and charges applied to his account over a significant amount of time.backgroundMr W says that TSB has treated him unfairl... (2 pages)View decision -
Decision Reference DRN-4833904
13 Jun 2024 Lendable Ltd Not upheldConsumer CreditDRN-4833904 The complaint Mrs K complains that Lendable Ltd lent to her in an irresponsible manner. What happened Mrs K was given two loans by Lendable. She first borrowed £3,685 in July 2021 that she agreed to repay in 24 monthly instalments of £196. And, whilst the first loan was still a... (3 pages)View decision -
Decision Reference DRN-5347549
10 Mar 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5347549 Complaint Mr A has complained about a credit card Capital One (Europe) plc (“Capital One”) provided to him. He says the credit card was irresponsibly provided to him as it was unaffordable. He’s also said that he was allowed to continue using the card even when his account h... (3 pages)View decision -
Decision Reference DRN-3239403
11 Feb 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3239403 The complaint Mr and Mrs F are unhappy at the interest and charges HSBC Bank Plc (“HSBC”) added to their account and overdraft over the years. What happened Mr and Mrs F complained to HSBC that when facing financial difficulties’ it levied excessive charges on their account. HS... (3 pages)View decision -
Decision Reference DRN-4319391
16 Oct 2023 National Westminster Bank Plc Not upheldConsumer CreditDRN-4319391 The complaint Mr C complains that National Westminster Bank Plc (‘NatWest’) irresponsibly gave him two loans that he couldn’t afford. What happened On 10 September 2021 Mr C asked for and was given a loan for £5,000 which had a term of 24 months. The purpose of the loan was to ... (3 pages)View decision -
Decision Reference DRN5271817
22 May 2018 Vanquis Bank Limited Not upheldBanking and creditMr M complains that Vanquis Bank Limited acted irresponsibly in approving his credit card application, which he says was unaffordable.backgroundVanquis approved a credit card application from Mr M in May 2015. This followed a telephone call with him in which he decl... (3 pages)View decision -
Decision Reference DRN-4561081
15 Feb 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4561081 The complaint Mr S complains that Lloyds Bank PLC reduced the limit on his credit card on two occasions without giving prior notice. What happened Mr S holds a credit card account with Lloyds. The card was taken out many years ago, and it seems Mr S had a credit limit of £17,0... (2 pages)View decision