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 4692 results
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Decision Reference DRN-3154276
10 Nov 2021 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3154276 The complaint Mr M complains HSBC UK Bank Plc irresponsibly approved him for two loans. What happened Below is intended to be a summary of what happened and does not therefore include a full timeline or list every point that has been made. Below is intended to be a summary of e... (5 pages)View decision -
Decision Reference DRN5450063
20 Jun 2013 National Westminster Bank Plc Not upheldBanking and creditMr K says National Westminster Bank Plc lent to him irresponsibly when he was a vulnerable adult student with a gambling addiction. backgroundThe lending took place under the bank’s ‘professional trainee loan’ scheme. This scheme was ‘aimed at helping full time students meet their study... (2 pages)View decision -
Decision Reference DRN-2679865
6 Apr 2021 Everyday Lending Limited Not upheldConsumer CreditDRN-2679865 The complaint Mr G complains that Everyday Lending Limited (trading as Everyday Loans) granted him a loan that was unaffordable for him. What happened In October 2015, Mr G took out a loan for £2,000 with Everyday Lending. The loan was to be repaid over 24 months with the repay... (2 pages)View decision -
Decision Reference DRN2028533
25 Oct 2017 Elevate Credit International Limited UpheldBanking and creditMr H complains that Elevate Credit International Limited (trading as Sunny) gave him instalment loans he couldn’t afford. He wants a refund with interest.backgroundMr H had 20 loans from Sunny between April 2015 and February 2017. He said proper checks would have shown ... (2 pages)View decision -
Decision Reference DRN3629180
12 Jul 2019 Indigo Michael Limited UpheldBanking and creditMr M has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) didn’t carry out sufficient affordability checks before granting him a Safety Net facility in 2016. Mr M also says had SNC carried out sufficient checks, it would’ve seen that he couldn’t afford it. backgr... (5 pages)View decision -
Decision Reference DRN-4108587
29 Jun 2023 Shelby Finance Ltd Not upheldConsumer CreditDRN-4108587 The complaint Miss T complains that Shelby Finance Limited, trading as Dot Dot loans, lent to her when she could not afford it. What happened Using records provided by Shelby, here is a loan table: Loan Approved Amount Term and repay closed Credit file – 1 17 Oct 2020 £200 3 x ... (5 pages)View decision -
Decision Reference DRN-3342270
1 Mar 2022 Christian Paul Gachet UpheldConsumer CreditDRN-3342270 The complaint Miss R has complained that Christian Paul Gachet trading as Easylogbookloans.tv (“ELBL”) was irresponsible to have agreed credit for her. What happened ELBL provided Miss R with a loan of £1,000 in May 2017. The total amount of £2,050, including interest and charg... (4 pages)View decision -
Decision Reference DRN9490434
11 Sep 2019 Global Kapital Group Ltd Not upheldBanking and creditMr R says Global Kapital Group Ltd (trading as MyKredit) lent to him irresponsibly.backgroundMr R had seven loans with MyKredit between January and June 2017. Our adjudicator thought MyKredit had acted irresponsibly by approving all of these loans. This was because MyKredit had carried out... (3 pages)View decision -
Decision Reference DRN-4725587
3 May 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4725587 The complaint Mr O complains Barclays Bank UK PLC (“Barclays”) refuses to refund him for a large number of transactions which he made during he was mentally unstable. Mr O thinks Barclays should’ve blocked the transactions on account of Mr O’s vulnerabilities. Mr O is represent... (3 pages)View decision -
Decision Reference DRN-3087291
5 Oct 2021 Wirecard Card Solutions Limited UpheldBanking and PaymentsDRN-3087291 The complaint Mr M complains Wirecard Card Solutions Limited blocked his account and haven’t released money held in the account back to him. What happened Mr M had an account which had a card issued by Wirecard and was administered by Pockit. In July 2020, Pockit blocked Mr M’s... (2 pages)View decision
