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 4576 results
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Decision Reference DRN7532560
15 Apr 2019 PDL Finance Limited UpheldBanking and creditMr B complains that PDL Finance Limited, trading as Mr Lender, gave him loans that he couldn’t afford to repay.backgroundMr B took out eight loans with Mr Lender between March and October 2014, as follows:loan number date taken amount borrowed date repaid112 March 2014 ... (3 pages)View decision -
Decision Reference DRN0112732
3 Oct 2018 Western Circle Limited UpheldBanking and creditMr B complains that Western Circle Ltd trading as Cashfloat gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges.backgroundMr B took out nine loans with Western Circle between September 2016 and September 2017. He says Western Cir... (3 pages)View decision -
Decision Reference DRN9241775
8 Feb 2021 Everyday Lending Limited UpheldBanking and creditMr E says Everyday Lending Limited (ELL) didn’t complete proper checks to make sure the loan he applied for was affordable and it failed to give him important information about the loan. background Mr E took out a 36-month instalment loan from ELL on 27 October 2015. It was for £2,500 and ... (4 pages)View decision -
Decision Reference DRN0129877
8 May 2018 Avantcredit Of Uk, Llc Not upheldBanking and creditMr M complains that AvantCredit of UK, LLC (Avant) lent irresponsibly and didn’t undertake proper affordability checks.backgroundMr M applied for a loan with Avant for £7, 200 at the end of April 2016. The loan was repayable over 48 months at £301.18 a month. Mr... (2 pages)View decision -
Decision Reference DRN-4640222
26 Feb 2024 Sainsbury's Bank Plc UpheldConsumer CreditDRN-4640222 The complaint Mr S has complained that Sainsbury’s Bank Plc acted irresponsibly when it approved him for a £20,000 loan in 2020. Background Mr S successfully applied for a £20,000 unsecured personal loan with Sainsbury’s in January 2020. He has said that at the time he was beco... (3 pages)View decision -
Decision Reference DRN-3210581
23 Dec 2021 PayPal (Europe) Sarl et Cie SCA UpheldBanking and PaymentsDRN-3210581 The complaint Miss B complains that PayPal (Europe) Sarl and Cie SCA, won’t refund payments that she didn’t make from her account. What happened Miss B disputes six payments made to a gambling website on 23 May 2020 using PayPal. These totalled £550. She says that her account w... (3 pages)View decision -
Decision Reference DRN0754750
11 Oct 2017 Casheuronet UK LLC UpheldBanking and creditMr B and his representative complain that CashEuroNet UK LLC, trading as Quick Quid, gave him loans he couldn’t afford to repay. backgroundMr B took out the following loans with Quick Quid: date £ amount borrowed date repaid 11 December 20144001 December 201422 January 20... (3 pages)View decision -
Decision Reference DRN-5073217
22 Oct 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-5073217 The complaint Mr K is unhappy with Nationwide Building Society. Mr K said Nationwide’s fraud team contacted him about a transaction on his account. It said the transaction amount (£480) would be returned to him. But the amount did then leave his account and Mr K wants Nation... (2 pages)View decision -
Decision Reference DRN7512419
22 Feb 2019 Lendfair Limited Not upheldBanking and creditMrs H complains that Lend Fair Ltd was irresponsible in granting her a loan.backgroundMrs H took out a guarantor loan in August 2016 for £4,000 repayable over 39 months at £184.39 a month. In the summer of 2018 Mrs H complained to Lend Fair. It rejected her complai... (2 pages)View decision -
Decision Reference DRN-5214192
16 Dec 2024 HSBC UK Bank Plc Not upheldConsumer CreditDRN-5214192 The complaint Mrs B, via her representative, has complained that HSBC UK Bank Plc acted irresponsibly when it provided her access to multiple forms of credit. Mrs B applied for a credit card, two loans and an overdraft facility from HSBC. This decision will only consider wh... (4 pages)View decision
