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 4619 results
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Decision Reference DRN-4665169
12 Mar 2024 Valour Finance Limited UpheldConsumer CreditDRN-4665169 The complaint Mr W complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) should’ve carried out further checks before it granted unaffordable loans to him. What happened A summary of Mr W’s borrowing can be found in the table below. loan number loan amount agre... (6 pages)View decision -
Decision Reference DRN5480939
28 Aug 2018 WDFC UK Limited Not upheldBanking and creditMiss T complains that WDFC UK Limited (trading as Wonga) offered her loans without making proper checks. She says the loans weren’t affordable and fuelled her gambling habit. Miss T, who is represented by a claims management company, asks for compensation and a refun... (2 pages)View decision -
Decision Reference DRN9314802
7 Dec 2018 DJS (UK) Limited Not upheldBanking and creditMr T complains that DJS (UK) Limited (trading as Piggybank) was wrong to lend to him. He asks that it refunds interest and charges and removes the loan from his credit file.backgroundMr T took out a loan with Piggybank in November 2013. He says he already had a lo... (2 pages)View decision -
Decision Reference DRN-4484707
7 Dec 2023 Lloyds Bank PLC Not upheldConsumer CreditDRN-4484707 The complaint Mr D complains that Lloyds Bank PLC was irresponsible in its lending to him. What happened Mr D raised a complaint about the loan provided to him in 2017. He says the loan was unaffordable as at the time his overdraft was higher than his monthly income. He says th... (2 pages)View decision -
Decision Reference DRN3497820
11 Dec 2013 Barclays Bank Plc Not upheldBanking and creditMr G is unhappy that Barclays Bank Plc (trading as Goldfish) increased the limits on his credit card by £10,000.backgroundIn 1997 Mr G opened a Goldfish credit card account. Between 2003-2004 his credit limit was increased from £4,900 to £15,000 while his gross income was £20,000. Follo... (2 pages)View decision -
Decision Reference DRN-1140325
30 Jun 2020 Monzo Bank Ltd Not upheldBanking and PaymentsThe complaint Ms F complains that Monzo Bank Limited won’t refund payments that have been made from her account which she says she didn’t authorise. What happened Ms F opened her account with Monzo on 5 May 2019. She had an account with an online casino and started making transactions from... (3 pages)View decision -
Decision Reference DRN2083940
19 Jun 2017 Santander UK Plc Not upheldBanking and creditMr R complains Santander UK Plc acted irresponsibly when it allowed him to take two loans and allowed him steadily to increase his overdraft when he already had several pay day loans, a gambling addiction and other debts. backgroundMr R had a gambling addiction and dur... (2 pages)View decision -
Decision Reference DRN-2609460
24 May 2021 TM Advances Limited Not upheldConsumer CreditDRN-2609460 The complaint Mr T has complained that TM Advances Limited lent him an unaffordable loan. What happened In January 2019, TM agreed to lend Mr T £2,000. The agreement for the loan states that Mr T had to repay the loan in 35 monthly instalments of £189. Mr T hasn’t fully repaid ... (2 pages)View decision -
Decision Reference DRN-2656865
30 Mar 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2656865 The complaint Miss M complains that Vanquis Bank Limited increased her credit card limit when she couldn’t afford the borrowing. What happened Miss M took out the credit card in April 2014, via an on-line application. The account was opened with a £150 credit limit. In October ... (5 pages)View decision -
Decision Reference DRN-3372455
6 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3372455 The complaint Mrs S complains that NewDay Ltd irresponsibly allowed her to open two credit card accounts and later increased the credit limit on one of them to unaffordable levels. What happened Mrs S says she was in financial difficulties when she opened the first NewDay credi... (4 pages)View decision
