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-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 DRN-3538997
30 Aug 2022 Buffa Loans Ltd Not upheldConsumer CreditDRN-3538997 The complaint Mr S complains that Buffa Loans Ltd was irresponsible to lend to him. What happened Mr S had three loans from Buffa Loans between 4 December 2020 and 13 July 2021 as follows: Loan Date Amount Term Monthly Repayment Due Repaid 1 4 Dec 2020 £250 168d £73.88 21 May 2... (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 DRN8398167
17 Oct 2018 MEM Consumer Finance Limited UpheldBanking and creditMr P complains that MEM Consumer Finance Limited (trading as Payday UK) was irresponsible when it offered him loans. He asks that it refunds interest.backgroundMr P took out 19 loans between May 2009 and February 2015. The adjudicator recommended that the complaint shoul... (3 pages)View decision -
Decision Reference DRN3651759
6 Dec 2016 WDFC UK Limited UpheldBanking and creditMr B complains that WDFC UK Limited (trading as Wonga) gave him loans that he couldn’t afford to repay.backgroundMr B first borrowed from Wonga in January 2011. In total he took 22 loans from Wonga over a period of 14 months, and many of those loans were “topped up” ... (3 pages)View decision -
Decision Reference DRN-5171041
26 Nov 2024 Salad Finance Limited UpheldConsumer CreditDRN-5171041 The complaint Mr R says Salad Finance Limited, trading as Salad Money, irresponsibly lent to him. What happened Mr R took out a loan for £1,000 over 18 months on 23 June 2024. The monthly repayments were £85.39 and the total repayable was £1,536.38. Mr R says the loan was un... (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 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