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 DRN7433942
24 Mar 2020 Metro Bank PLC UpheldBanking and creditMr P complains that Metro Bank plc won’t refund a series of debit card payments that he says he neither made nor authorised. All were made to an online gambling site; they total £810. backgroundMr N explained that he had separated from his partner in March 2018. They remained in touch, how... (3 pages)View decision -
Decision Reference DRN-1979087
16 Oct 2020 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-1979087 The complaint Mr A complains that Brent Shrine Credit Union Limited has recorded a marker on CIFAS the national fraud database. What happened Mr A applied for a £15,000 loan from Brent Shrine. It requested he send supporting information including bank statements which he did on... (3 pages)View decision -
Decision Reference DRN-3544404
15 Aug 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3544404 The complaint Mr H complains that Nationwide Building Society (‘Nationwide’) lent irresponsibly to him by providing him with a credit card. What happened On or around 9 August 2016, Mr H applied for a credit card with Nationwide. His application was accepted, and Nationwide agr... (3 pages)View decision -
Decision Reference DRN-4271368
4 Dec 2023 Stagemount Limited UpheldConsumer CreditDRN-4271368 The complaint Mr B complains that Stagemount Limited trading as Quid Market irresponsibly lent to him. What happened Quid Market lent Mr B two short term instalment loans. The first loan was for £300 lent in June 2022, on this loan, Mr B was due to make six monthly instalment p... (3 pages)View decision -
Decision Reference DRN-4366698
5 Jul 2024 IG Index Limited Not upheldInvestmentsDRN-4366698 The complaint Mr P complained about IG Index Limited. He said he had an addiction to forex and indices trading using IG’s spread betting service. He said IG didn’t check if he had a gambling addiction and for this reason, didn’t treat him fairly. Mr P said IG should have done m... (4 pages)View decision -
Decision Reference DRN2310385
12 Sep 2014 Hitachi Capital (UK) Plc UpheldBanking and creditMr V complains about a loan provided to him by Hitachi Capital (UK) PLC, trading as Hitachi Capital Consumer Finance (“HCCF”). He said that the loan was unaffordable, and that HCCF had failed to undertake a responsible assessment of his creditworthiness. He would like the loan written ... (3 pages)View decision -
Decision Reference DRN-4812318
30 May 2024 Valour Finance Limited UpheldConsumer CreditDRN-4812318 The complaint Mr P complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) didn’t carry out sufficient affordability checks before it lent to him. What happened Mr P was advanced one loan of £750 on 18 February 2023 and he was due to make 52 weekly payments of £... (4 pages)View decision -
Decision Reference DRN-3768596
23 Mar 2023 Hargreaves Lansdown Asset Management Limited Not upheldPensions and AnnuitiesDRN-3768596 The complaint Mr M’s Self-Invested Personal Pension (‘SIPP’) was opened with Hargreaves Lansdown Asset Management Limited (‘HL’) in 2015. It operated on an execution only basis and his investments/trading within it were executed on a third-party trading platform. In 2021 he ack... (11 pages)View decision -
Decision Reference DRN-4170879
5 Jul 2023 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-4170879 The complaint Miss R complains that BMW Financial Services(GB) Limited (“BMWFS”) irresponsibly approved a hire purchase agreement with her that she couldn’t afford. What happened In July 2020 Miss R acquired a new car using a hire purchase agreement from BMWFS. The agreement re... (4 pages)View decision -
Decision Reference DRN8853874
10 Oct 2017 Casheuronet UK LLC UpheldBanking and creditMr K complains that CashEuroNet UK LLC (trading as Quick Quid) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file. Mr K is represented by a claims management company... (3 pages)View decision
