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-2896764
27 Sep 2021 Sporting Index Limited Not upheldInvestmentsDRN-2896764 The complaint Mr V complains that Sporting Index Limited allowed him to open a spreadbetting account with a credit facility which he wasn’t told about. As a result, he now owes a debt – when he thought the most he could lose was his deposit. What happened In March 2020 Mr V ope... (4 pages)View decision -
Decision Reference DRN7969369
11 Sep 2018 The Car Finance Company (2007) Ltd UpheldBanking and creditMr W complains that The Car Finance Company (2007) Ltd (“TCFC”) approved lending to him when he couldn’t afford it. backgroundMr W entered into a hire purchase agreement with TCFC for a second hand car in October 2016. The agreement was for 36 months with repayments ... (3 pages)View decision -
Decision Reference DRN-3661848
22 Aug 2022 Clydesdale Bank Plc Not upheldConsumer CreditDRN-3661848 The complaint Mr C complains that Clydesdale Bank Plc trading as Virgin Money have irresponsibly lent to him. What happened Mr C took out a loan with Virgin Money for £11,500 over 84 months. He says at the time he took out the loan, he had a series of personal loans and payday ... (4 pages)View decision -
Decision Reference DRN1009292
12 Nov 2020 Greenlight Credit Ltd UpheldBanking and creditComplaint Mr P complains about three logbook loans Greenlight Credit Ltd lent to him between March 2017 and March 2020. The details of this complaint are well known to both parties, so I will not repeat them all again here. The adjudicator that looked at the complaint concluded that Greenl... (2 pages)View decision -
Decision Reference DRN-4922655
24 Jul 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4922655 The complaint Mr H complains that NewDay Ltd irresponsibly lent to him. What happened Mr H was approved for two NewDay credit cards which I will refer to as A and B. I have detailed the initial credit limits and the credit increases for A below. Card A – approved October 20... (5 pages)View decision -
Decision Reference DRN3403655
2 Nov 2018 Uncle Buck Finance LLP UpheldBanking and creditMr W complains that Uncle Buck Finance LLP was irresponsible to continue lending to him when he had low disposable income and outstanding debts elsewhere.backgroundMr W had four loans from Uncle Buck between January 2015 and March 2015 as follows:Loan Date AmountTermRepa... (2 pages)View decision -
Decision Reference DRN-3663969
8 Dec 2022 Spreadex Limited Not upheldInvestmentsDRN-3663969 The complaint Mr R complains that Spreadex Limited should have gained a better understanding of his finances before allowing him to trade in his spread betting account and in failing to do so, contributed to his financial overcommitment and the losses he incurred. What happene... (3 pages)View decision -
Decision Reference DRN-4547185
7 Feb 2024 Capital One (Europe) plc UpheldBanking and PaymentsDRN-4547185 The complaint Mr P complains that credit limit increases offered by Capital One (Europe) plc, and a second credit card it lent him, were unaffordable. What happened Mr P took out a credit card with Capital One in November 2018, with an initial credit limit of £1,000. In Februar... (4 pages)View decision -
Decision Reference DRN2043096
20 Feb 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs C complain that The Royal Bank of Scotland Plc (“RBS”) wrongly rejected Mrs C’s claim for a refund of payments from their joint account which she says were made by a fraudster. They also complain that RBS closed their joint account earlier than it had sai... (2 pages)View decision -
Decision Reference DRN0700036
22 Mar 2016 HSBC Bank plc Not upheldBanking and creditMr J complains about three disputed transactions on his account. He says that HSBC Bank Plc should reimburse these amounts.backgroundMr J told HSBC that he did not recognise three transactions on his account – all made to online gambling sites. He was unable to with... (2 pages)View decision
