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 4607 results
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Decision Reference DRN-4923109
6 Sep 2024 AutoMoney Limited Not upheldConsumer CreditDRN-4923109 The complaint Mr B complains that AutoMoney Limited trading as AutoMoney Motor Finance (AutoMoney) irresponsibly granted him two hire purchase agreements that he couldn’t afford to repay. What happened In June 2020 Mr B acquired a vehicle financed by a hire purchase agreeme... (5 pages)View decision -
Decision Reference DRN6596345
17 Jul 2018 Casheuronet UK LLC UpheldBanking and creditMr B says CashEuroNet UK LLC, trading as Quick Quid, lent to him irresponsibly. He says Quick Quid didn’t carry out sufficient affordability checks and ought to have realised he was dependent on short-term credit.backgroundI issued my provisional decision on this compl... (5 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 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 DRN-3288470
22 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3288470 The complaint Mr G complains that NewDay Ltd (trading as Marbles) lent to him irresponsibly. What happened On 6 March 2017, Mr G applied for a Marbles credit card and was given a limit of £600. He used the card regularly but in November 2018 stopped making payments and fell int... (3 pages)View decision -
Decision Reference DRN-4603125
8 May 2024 Think Money Limited Not upheldBanking and PaymentsDRN-4603125 The complaint Mr B complains about the customer service he received from Think Money Limited following a refund into his account, which he was unable to access. What happened Mr B opened a Thinkmoney account to assist with paying his bills. He opened a gambling account with a d... (3 pages)View decision -
Decision Reference DRN-4843073
23 Aug 2024 Auto Accept Finance Limited Not upheldConsumer CreditDRN-4843073 The complaint Mr P complains through a representative that Auto Accept Finance Limited (“AAF”) didn’t take reasonable steps to ensure he could afford the repayments towards a hire purchase agreement. What happened In October 2023, AAF provided Mr P with a hire purchase agre... (3 pages)View decision -
Decision Reference DRN5162460
23 Jan 2018 National Westminster Bank Plc Not upheldBanking and creditMr M complains that National Westminster Bank Plc (NatWest) should have done more to prevent him from making large withdrawals from his accounts for the purpose of gambling.backgroundMr M made a previous complaint about Nat West not doing enough to prevent him from ma... (2 pages)View decision -
Decision Reference DRN-4333224
22 Sep 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4333224 The complaint Mr S complains Barclays Bank UK PLC (“Barclays”) are holding him liable for payments he didn’t authorise after falling victim to fraud. He adds that Barclays failed to protect him from financial harm. What happened In August 2022, Mr S and his wife travelled overs... (6 pages)View decision
