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 4727 results
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Decision Reference DRN9127287
11 Jul 2016 Barclays Bank Plc Not upheldBanking and creditMr W complains about three loans taken out with Barclays Bank Plc. He believes insufficient checks were carried out when he applied for the loans and had appropriate checks been completed, they wouldn’t have been agreed. Mr W is represented in his complaint by his fat... (3 pages)View decision -
Decision Reference DRN-5501889
1 May 2025 First Response Finance Ltd Not upheldConsumer CreditDRN-5501889 The complaint Mr S, who is represented by a third party, complains that First Response Finance Limited (“First Response”) irresponsibly agreed to give him finance he says he couldn’t afford to repay. What happened In March 2018, Mr S acquired a used car financed by a fixed ... (3 pages)View decision -
Decision Reference DRN3711504
22 Oct 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMr C complains about The Royal Bank of Scotland Plc, trading as NatWest (“NatWest”). He says that the business lent to him irresponsibly in two personal loans and an overdraft in 2014. He wants NatWest to refund the charges and interest he paid, and for statutory inter... (3 pages)View decision -
Decision Reference DRN6256801
30 May 2018 Everyday Loans Limited UpheldBanking and creditMr L took out a loan in January 2017 with Everyday Loans Limited. He complains that Everyday acted irresponsibly, when it approved this loan. He says it incorrectly assessed that he could afford the loan repayments. He wants Everyday to refund all interest and oth... (2 pages)View decision -
Decision Reference DRN2721508
8 Dec 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr E complains that Curo Transatlantic Limited trading as Wage Day Advance (WDA) lent him money that he couldn’t afford to repay.backgroundMr E took out 16 loans with WDA between October 2012 and June 2014.Before this service became involved, WDA offered to refund i... (4 pages)View decision -
Decision Reference DRN-3621851
14 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3621851 The complaint Mr B complains that NewDay Ltd (“NewDay”) irresponsibly granted him an Aqua credit card that he couldn’t afford to repay. What happened Mr B entered into an agreement with NewDay to have access to credit with an Aqua credit card account. The account was opened in ... (3 pages)View decision -
Decision Reference DRN4278886
8 Nov 2016 Casheuronet UK LLC UpheldBanking and creditMr H complains that Casheuronet UK LLC (trading as Quick Quid) lent to him irresponsibly.backgroundMr H took a number of loans with Quick Quid between December 2010 and August 2013.He says that, at the time, he was in serious financial difficulty and borrowing f... (4 pages)View decision -
Decision Reference DRN6663101
29 Jun 2018 Barclays Bank Plc Not upheldBanking and creditMs M complains the loan she was given in 2013 by Barclays Bank Plc was unaffordable for her and shouldn’t have been approved.backgroundMs M took out a loan for £6,000, which was credited to her current account on 25 February 2013. She completed the loan application ... (3 pages)View decision -
Decision Reference DRN-5498595
22 May 2025 Chetwood Financial Limited Not upheldConsumer CreditDRN-5498595 The complaint Miss W complains that Chetwood Financial Limited trading as BetterBorrow was irresponsible in its lending to her. What happened Miss W was provided with a £4,000 loan by BetterBorrow in December 2021. The loan term was 24 Months and Miss W was required to make ... (2 pages)View decision -
Decision Reference DRN-3293575
18 Mar 2022 Santander UK Plc UpheldConsumer CreditDRN-3293575 The complaint Mr M complains about finance he took out with Santander UK Plc (“Santander”). What happened I set out what happened leading up to and in the course of Mr M’s complaint in my provisional decision, which I issued earlier this year. To make this decision easier to re... (7 pages)View decision
