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-3299439
9 May 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3299439 The complaint Mr C says Loans 2 Go Limited irresponsibly lent to him. What happened This complaint is about 3 loans provided by Loans 2 Go to Mr C between August 2019 and July 2020. Mr C’s borrowing history is as follows: Loan Date taken Amount Term Repayment 1 August 2019 £500... (3 pages)View decision -
Decision Reference DRN-3442892
27 Apr 2022 Carcashpoint Limited UpheldConsumer CreditDRN-3442892 The complaint Mr F complains about three logbook loans provided to him by CarCashPoint limited, (“CarCashPoint”) which he says were unaffordable. What happened CarCashPoint provided Mr F with ‘log book’ loans. These loans were granted on the basis that Mr F provided CarCashPoin... (3 pages)View decision -
Decision Reference DRN6764159
19 Apr 2017 Casheuronet UK LLC UpheldBanking and creditMr C complains that CashEuroNet UK LLC (trading as QuickQuid) was irresponsible to lend money to him. backgroundMr C took out two loans, including tops ups with Quick Quid during the beginning of 2016. He also took out loans with Quick Quid in the years before thi... (2 pages)View decision -
Decision Reference DRN1875066
16 May 2014 Bank of Scotland Plc Not upheldBanking and creditThis complaint is about a mortgage Mr E holds with Bank of Scotland plc trading as Halifax. Mr E complains that he was wrongly advised to take a mortgage with a ten-year fixed rate.backgroundMr E took out the mortgage – his first – in 2008. It was an advised sale; that is, one where ... (2 pages)View decision -
Decision Reference DRN-3558508
9 Aug 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3558508 The complaint Mr B is unhappy that HSBC UK Bank Plc (“HSBC”) hasn’t reimbursed him after he was the victim of a scam. What happened Mr B was looking for investment opportunities online and made contact with a company he believed was suitable for his needs. He later discovered t... (3 pages)View decision -
Decision Reference DRN-3071792
11 Oct 2021 UK Credit Limited Not upheldConsumer CreditDRN-3071792 The complaint Mr M says UK Credit Limited lent to him irresponsibly. What happened Mr M took out a guarantor loan from UK Credit in August 2015. It was for £6,000 over 60 months. The monthly repayment was £225.20 and the total repayable was £10,809.60. Mr M says the lender fail... (3 pages)View decision -
Decision Reference DRN-4605417
15 Feb 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4605417 Complaint Mr S has complained about a personal loan Zopa Bank Limited (“Zopa”) which he says it unfairly lent to him. He says his existing debt meant that this loan was unaffordable for him. Background Zopa provided Mr S with a loan for £6,000.00 in October 2021. This loan had ... (3 pages)View decision -
Decision Reference DRN6974166
26 Jul 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMiss M complains that CURO TRANSATLANTIC LIMITED (trading as Wage Day Advance) gave her loans that she couldn’t afford to repay. She asks that it refunds interest and charges and removes information about the loans from her credit file.backgroundMiss M took out 10 loans ... (3 pages)View decision -
Decision Reference DRN8569880
23 Jun 2017 MEM Consumer Finance Limited UpheldBanking and creditMr H complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans he couldn’t afford to repay. He asks that it refunds interest and charges.backgroundMr H took out four loans with Payday UK between April 2011 and November 2011. He says Payday UK did... (3 pages)View decision -
Decision Reference DRN8780083
15 Dec 2020 Barclays Bank UK PLC UpheldBanking and creditMr and Mrs P complain that Barclays Bank UK PLC will not refund some disputed transactions. background In October 2017 Mr and Mrs P complained to Barclays about a large amount of transactions on their account which they say they did not make. They explained their son had used their account... (3 pages)View decision