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-4812288
22 May 2024 National Westminster Bank Plc Not upheldConsumer CreditDRN-4812288 The complaint Ms H complains that National Westminster Bank Plc (‘NatWest’) irresponsibly gave her two loans that she couldn’t afford to repay. What happened In March 2022, Ms H applied for a loan with NatWest. She was given a loan of £7,450 repayable over 39 months with a mont... (3 pages)View decision -
Decision Reference DRN-3342462
18 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3342462 The complaint Mrs R has complained that AvantCredit of UK, LLC trading as AvantCredit was irresponsible in lending to her. What happened In 2017 AvantCredit provided Mrs R with a loan of £6,600 repayable over 36 months with a monthly repayment of £251.15. The loan has since bee... (3 pages)View decision -
Decision Reference DRN-1639341
13 Jul 2020 Western Circle Ltd UpheldConsumer CreditThe complaint Mrs C complains that Western Circle Ltd (trading as Cashfloat) lent to her in an irresponsible manner. What happened Mrs C was given six loans by Cashfloat between January and May 2017. Mrs C explains that she was in financial difficulty and borrowing from other lenders and u... (3 pages)View decision -
Decision Reference DRN6483714
17 Apr 2020 CMC Spreadbet Plc Not upheldInvestment and pensionsMs M complains that CMC Spreadbet Plc (CMC) unfairly liquidated her positions on SPX 500 (Cash) and US30 (Cash).backgroundMs M had an execution-only relationship with CMC. On 5 December 2018 she had buy bets of £40 per point on SPX 500 and £50 per point on US30.She complained that CMC used... (3 pages)View decision -
Decision Reference DRN7669418
13 Apr 2016 Provident Personal Credit Limited Not upheldBanking and creditMr G complains that Provident Personal Credit Limited, Trading as Satsuma Loans:-didn’t make it clear that the interest on his loan would be paid at the start of the loanand-shouldn’t have given him a loan because he was already in financial difficulties. backgrou... (3 pages)View decision -
Decision Reference DRN-4334915
5 Jan 2024 Madison CF UK Limited Not upheldConsumer CreditDRN-4334915 The complaint Mrs G complains that Madison CF UK Limited, trading as 118 118 Money (“Madison”) irresponsibly granted her two loans she couldn’t afford to repay. What happened In October 2020 Mrs G took out a fixed sum loan agreement for a loan for £2,000 that was payable over 2... (3 pages)View decision -
Decision Reference DRN5647305
15 Jan 2014 Bank of Scotland Plc Not upheldInsurance (excluding PPI)Mr and Mrs L are unhappy as they feel their buildings and contents insurance policy was mis-sold to them. The policy was sold by Bank of Scotland plc.backgroundMr and Mrs L made a claim following a burglary at their home. When they made the claim they say they became aware of the policy... (2 pages)View decision -
Decision Reference DRN-1528415
26 Jun 2020 Provident Personal Credit Limited Not upheldConsumer CreditMr P says Provident Personal Credit Limited, trading as Satsuma, irresponsibly lent to him. background This complaint is about a loan Satsuma provided to Mr P in October 2018 for £800, to be repaid over 12 months. Our adjudicator thought about Mr P’s complaint and felt Satsuma had lent to ... (3 pages)View decision -
Decision Reference DRN-3502762
30 May 2022 Avantcredit Of Uk, Llc Not upheldConsumer CreditDRN-3502762 The complaint Mr D complains that AvantCredit of UK, LLC (“AvantCredit”) lent to him in an irresponsible manner. What happened I issued a provisional decision on this complaint in April 2022. In that decision I explained why I didn’t think the complaint should be upheld. Both p... (3 pages)View decision -
Decision Reference DRN-4285393
16 Nov 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4285393 The complaint Mr D complains that Barclays Bank UK PLC placed an adverse fraud marker against his name unfairly. What happened As both parties are familiar with the circumstances of this complaint, I’ve only summarised them briefly below. Mr D held a bank account with Barclays.... (3 pages)View decision