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 4717 results
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Decision Reference DRN-1563798
8 Jul 2020 Barclays Bank UK PLC Not upheldBanking and PaymentsComplaint Mr C complains that Barclays Bank UK PLC trading as Barclaycard (Barclays) acted irresponsibly when they allowed him to open a credit card account. Background Mr C has a credit card account with Barclays but feels that the card shouldn’t have been approved because when he applied... (3 pages)View decision -
Decision Reference DRN4219668
15 May 2018 SLL Capital Limited UpheldBanking and creditMiss A complains that SLL Capital Limited was irresponsible to lend her money as it didn’t do enough checks to make sure the repayments were affordable.backgroundMiss A had ten instalment loans from SLL Capital between August 2011 and October 2013 as follows:NoRef Date Loa... (3 pages)View decision -
Decision Reference DRN-1592744
14 May 2020 Apfin Ltd Not upheldConsumer CreditDRN-1592744 The complaintMr M complains that APFIN LTD (trading as cashasap.co.uk) “Cashasap” was irresponsible in its lending to him. What happenedThis complaint is about the instalment loan Cashasap provided to Mr M in January 2018. The loan was for £250 repayable over three monthly inst... (2 pages)View decision -
Decision Reference DRN9971409
28 Jan 2016 Santander UK Plc UpheldBanking and creditMrs M complains that Santander UK Plc is holding her responsible for borrowing she says she knew nothing about.backgroundMrs M says that her ex-partner, who she had met online, made an application for a credit card in her name. He then used this for gambling without he... (2 pages)View decision -
Decision Reference DRN-2934875
5 Jan 2022 Oplo PL Ltd UpheldConsumer CreditDRN-2934875 The complaint Mr H complains Oplo PL Ltd lent to him irresponsibly. What happened Mr H took out a loan with Oplo, then trading under a different name, for £2000 to be repaid over a period of 36 months. The monthly repayment was £83.16, and the total cost of the borrowing was £2... (3 pages)View decision -
Decision Reference DRN-4185702
13 Jul 2023 Advantage Finance Ltd Not upheldConsumer CreditDRN-4185702 The complaint Mr C complains about the affordability of a hire purchase agreement provided by Advantage Finance Limited (Advantage). What happened In April 2017 Mr C acquired a used car through a hire purchase agreement with Advantage. The agreement ran for 42 months, Mr C was ... (3 pages)View decision -
Decision Reference DRN-2390610
6 May 2021 Creation Financial Services Limited UpheldConsumer CreditDRN-2390610 The complaint Mr G complains Creation Financial Services Limited will not refund some disputed transactions. He also complains he was allowed to exceed the cash limit placed on the account. What happened In July 2019, Mr G contacted Creation about some transactions on his acco... (3 pages)View decision -
Decision Reference DRN3414495
13 Jan 2020 Barclays Bank UK PLC Not upheldBanking and creditMr P complains that Barclays Bank UK PLC (trading as ‘Barclaycard’) acted irresponsibly when it increased his credit limit.backgroundI sent my provisional decision to both parties on 24 December 2019. A copy of this is attached and forms part of this final decision. In it I set out the bac... (4 pages)View decision -
Decision Reference DRN8567597
5 Feb 2020 Nationwide Building Society Not upheldBanking and creditMr N has complained Nationwide Building Society won’t refund account transactions that he didn’t make in September and October 2017.backgroundMr N opened an account with Nationwide in May 2017 (he’d previously had accounts with Nationwide that had been closed). He got a debit card for his ... (5 pages)View decision -
Decision Reference DRN5665713
14 Aug 2017 Casheuronet UK LLC Not upheldBanking and creditMiss F has complained about several loans granted to her by CashEuroNet UK LLC trading as Quick Quid (“Quick Quid”). She’s said Quick Quid encouraged her to borrow more than she could afford, which resulted in her needing to borrow regularly to repay previous loan... (5 pages)View decision
