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 4967 results
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Decision Reference DRN6307167
26 Sep 2019 Bamboo Limited Not upheldBanking and creditMr T complains that Bamboo Limited didn’t carry out enough checks before approving his loan application.backgroundIn 2018, Mr T applied to Bamboo for a loan. He applied online and the loan was approved. He had difficulty making some payments on time early on. But overall he managed to keep... (2 pages)View decision -
Decision Reference DRN-4725347
16 May 2024 Santander UK Plc UpheldConsumer CreditDRN-4725347 The complaint Mr L complains that Santander UK Plc approved two loans for him in 2021 irresponsibly. What happened Mr L took two loans from Santander. He was an existing current and savings account customer at the time. Loan 1 was in June 2021, for £2,500 to be repaid over 48 m... (6 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 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 DRN-3111159
10 Nov 2021 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3111159 Complaint Mrs C is unhappy that National Westminster Bank Plc (“NatWest”) is holding her liable for a series of transactions she says she didn’t authorise. Background Mrs C has an account with NatWest. In August and September 2020, it was used to make a series of payments to a ... (3 pages)View decision -
Decision Reference DRN6351539
30 Aug 2016 Gain Capital UK Limited UpheldInvestment and pensionsMr J complains about the way Gain Capital UK Limited administered his account. In particular, he complains that: Gain said that it would close all his positions on 10 December, but in fact closed them on 14 December causing him a loss; His second account shouldn’t ... (3 pages)View decision -
Decision Reference DRN-3600243
24 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3600243 The complaint Mr H complains that NewDay Ltd trading as Aqua gave him a credit card when it should have known he wouldn’t be able to repay what he borrowed. What happened Mr H applied for a credit card in December 2018. He told NewDay that he was employed and earning £27,000 a ... (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 DRN4160179
30 May 2019 Casheuronet UK LLC UpheldBanking and creditMr H says CashEuroNet UK LLC, trading as QuickQuid, lent to him irresponsibly.backgroundI sent both parties my provisional decision on 14 May 2019. A copy is attached and it forms part of this final decision. I asked Mr H and QuickQuid to let me know if they h... (6 pages)View decision
