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 19738 results
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Decision Reference DRN-3826057
5 Dec 2022 Madison CF UK Limited Not upheldBanking and PaymentsDRN-3826057 The complaint Mr P complains that Madison CF UK Limited trading as 118 118 Money was irresponsible in its lending to him. What happened In April 2021, Mr P was provided with credit card by 118 118 Money with a credit limit of £1,200. There were no increases to the credit limit.... (2 pages)View decision -
Decision Reference DRN4872412
12 Nov 2015 Barclays Bank Plc Not upheldBanking and creditMr L complains that Barclays Bank Plc (“Barclays”) acted irresponsibly when it lent to him.backgroundIn December 2012, Mr L took out a loan with Barclays for £10, 900. That loan was restructured in November 2014 and Mr L borrowed £9, 500 with an APR of 14.9%. He then... (2 pages)View decision -
Decision Reference DRN-2241916
13 Nov 2020 Western Circle Ltd UpheldConsumer CreditDRN-2241916 The complaint Miss T says Western Circle Ltd trading as Cashfloat didn’t act in a timely manner when she told it that she was in financial difficulty. Because of this additional interest and charges were added to her account. She feels that these should be refunded to her. Miss... (3 pages)View decision -
Decision Reference DRN-1951287
29 Jul 2020 MYJAR Limited Not upheldConsumer CreditDRN-1951287 The complaintMr S says MYJAR Limited lent to him irresponsibly.What happenedMr S took out a £175 loan with MYJAR in August 2018. The loan was scheduled to be repaid in six instalments but I understand it is still outstanding. An adjudicator considered Mr S’s complaint but didn... (2 pages)View decision -
Decision Reference DRN-5114335
14 Apr 2025 Madison CF UK Limited UpheldBanking and PaymentsDRN-5114335 The complaint Mr D complains Madison CF UK Limited trading as 118 118 Money (“118”) lent to him irresponsibly and sent him malicious communications. What happened In January 2024 Mr D was given a credit card by 118 with a limit of £500. Then in April 2024 he was given a loa... (3 pages)View decision -
Decision Reference DRN6959163
13 Aug 2019 Casheuronet UK LLC Not upheldBanking and creditMiss H says CashEuroNet UK LLC, trading as Pounds to Pocket, lent to her irresponsibly.backgroundMiss H borrowed one instalment loan from Pounds to Pocket in April 2011. The loan amount was £1,050 and it was due to be repaid in 12 monthly instalments of about £160.One of our adjudicators c... (2 pages)View decision -
Decision Reference DRN7966728
22 Apr 2013 Lombard Vehicle Management (1) Limited UpheldBanking and creditMr B is represented by his parents. Mr B’s parents complain that Lombard engaged in irresponsible lending in relation to a conditional sale agreement on a new car. Mr B has been diagnosed with Asperger’s syndrome and says he was unduly pressured into the purchase by a third party. Mr B... (4 pages)View decision -
Decision Reference DRN-3004602
18 Oct 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3004602 Complaint Miss O has complained about an overdraft Bank of Scotland (trading as “Halifax”) provided to her. She says the overdraft was unaffordable and shouldn’t have been provided. Background Halifax provided Miss O with a student overdraft for £1,000.00 in February 2017. The ... (2 pages)View decision -
Decision Reference DRN-5224651
25 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5224651 The complaint Miss J complains that NewDay Ltd (trading as Aqua) charged too much interest on her credit card account and would not allow her to do a balance transfer. What happened Miss J says Aqua approved a card and increased the limit to £3,500 even though she had a poo... (3 pages)View decision -
Decision Reference DRN8037662
5 Oct 2017 Madison CF UK Limited Not upheldBanking and creditMr S entered into a 12 month fixed term loan agreement in December 2014 with Madison CF UK Limited (trading as 118 118 Money). He complains that 118 118 lent to him irresponsibly. He wants this loan to be removed from his credit file, and all interest charged to be ... (3 pages)View decision
