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 5520 results
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Decision Reference DRN-2468719
30 Dec 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-2468719 The complaint Mr V complained about a number of loans he took out through a company called Provident Personal Credit Limited, trading as Satsuma. Mr V says he was lent to irresponsibly and the loans caused him financial problems. To keep things simple, I’ll refer mainly to “Sat... (3 pages)View decision -
Decision Reference DRN7473662
22 Jan 2020 Metro Bank PLC Not upheldBanking and creditMr B complains that Metro Bank Plc won't refund four debit card payments made with hiscard. Mr B says he neither made them nor authorised anyone else to do so. Metro Banksays that they were made using the genuine card, and three of them were made using Mr B's PIN. It says it foll... (3 pages)View decision -
Decision Reference DRN2371692
27 Feb 2019 DJS (UK) Limited Not upheldBanking and creditMr M complains that DJS (UK) Limited (trading as Piggybank) gave him unaffordable payday loans and he’s unhappy with the offer it made in settlement of his complaint. He wants a refund of all the interest and charges he paid.background Mr M had seven loans from Pig... (3 pages)View decision -
Decision Reference DRN-2309299
28 Jan 2021 Amigo Loans Ltd UpheldConsumer CreditDRN-2309299 The complaint Mr M complains that Amigo Loans Ltd lent to him in an irresponsible manner. What happened Mr M was given two loans by Amigo in February and June 2018. His first loan, for £4,000, was repaid around a month into the planned three-year term. His second loan, for £7,5... (3 pages)View decision -
Decision Reference DRN9510181
5 Dec 2016 Casheuronet UK LLC UpheldBanking and creditMr S complains that CashEuroNet UK LLC (trading as Quick Quid) was irresponsible when it provided loans to him.backgroundSince 2012 Mr S has taken 18 payday loans and a flex credit loan with Quick Quid. Earlier this year he complained to it about the loans. It didn’t ... (6 pages)View decision -
Decision Reference DRN0421563
24 Nov 2017 Active Securities Limited UpheldBanking and creditMr F complains that Active Securities Limited trading as 247 Moneybox gave him loans that were unaffordable.backgroundThe background to this complaint was set out in my provisional decision that I issued in November 2017. An extract from this is attached and forms part ... (6 pages)View decision -
Decision Reference DRN5149399
22 May 2015 Nationwide Building Society UpheldBanking and creditMr S complains that Nationwide Building Society keeps declining frequent, regular payments to an online funded electronic wallet. This has caused him distress and inconvenience.backgroundMr S has an account with the building society. He gambles regularly, using an online... (2 pages)View decision -
Decision Reference DRN-3191125
20 Dec 2021 Gain Credit LLC UpheldConsumer CreditDRN-3191125 The complaint Ms J says Gain Credit LLC (trading as ‘Lending Stream’) irresponsibly gave her loans that she couldn’t afford because she was gambling at the time and on a low income. She said her credit file was poor and that Lending Stream provided the loans without doing prope... (6 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-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