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 4630 results
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Decision Reference DRN-3704982
29 Sep 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3704982 The complaint Ms G complains that AvantCredit of UK LLC lent to her when she could not afford it. What happened Ms G’s application to AvantCredit did state that she needed the £6,000 loan in 2016 for debt consolidation. Recently AvantCredit has made submissions on that and I wi... (5 pages)View decision -
Decision Reference DRN-3694457
10 Oct 2022 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-3694457 The complaint Mr G is complaining that Hitachi HC Capital UK PLC trading as Hitachi Personal Finance lent to him when it shouldn’t have. What happened Hitachi lent Mr G one loan in July 2016. The loan was for £7,350 to be repaid in 60 monthly instalments of £156.29. In May 2019... (2 pages)View decision -
Decision Reference DRN9166734
16 Jan 2020 Uncle Buck Finance LLP UpheldBanking and creditMrs B says Uncle Buck Finance LLP irresponsibly lent to her.background This complaint is about 3 instalment loans Uncle Buck Finance provided to Mrs B between 13 February 2018 and 1 April 2018. Mrs B’s borrowing history with Uncle Buck Finance was as follows:Type of LoanLoan numberLoan a... (3 pages)View decision -
Decision Reference DRN-1312885
9 Jul 2020 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-1312885 The complaintMr K complains that HSBC UK Bank Plc irresponsibly increased the credit limit on his credit card. What happenedIn July 2014, Mr K had a credit card and a current account with HSBC. The credit card had a credit limit of £8,500, and in that month HSBC offered to inc... (3 pages)View decision -
Decision Reference DRN-5172961
2 Jan 2025 Zempler Bank Limited Not upheldBanking and PaymentsDRN-5172961 The complaint Mrs K has complained that Zempler Bank Limited trading as Cashplus acted irresponsibly when it provided her with a credit card in June 2023. Background Mrs K applied for a credit card with Cashplus in June 2023. Her application was approved, and she was given a... (3 pages)View decision -
Decision Reference DRN9875710
7 Nov 2013 Aviva Insurance Limited Not upheldInsurance (excluding PPI)Mr D’s complaint is that Aviva Insurance Limited has declined his claim, citing fraud and breach of a security endorsement. He is also unhappy about the way the claim was handled.background I issued my provisional decision in October 2012, which is attached below and forms part of my fina... (4 pages)View decision -
Decision Reference DRN1540109
15 May 2020 CMC Spreadbet Plc Not upheldInvestment and pensionsMr D’s complaint is that CMC Spreadbet Plc (‘CMC’) had a responsibility to address indications that trading (and excessive trading losses) in his execution only account was out of control. He says CMC’s failure to do so allowed his out of control trading to continue and caused, at least pa... (6 pages)View decision -
Decision Reference DRN-5214564
16 Dec 2024 Santander UK Plc UpheldBanking and PaymentsDRN-5214564 The complaint Mr B complains about how Santander UK Plc handled chargeback requests he made. What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my role resolving disputes with minimum form... (7 pages)View decision -
Decision Reference DRN0465765
31 Mar 2017 Casheuronet UK LLC UpheldBanking and creditMr L complains that CashEuroNet UK LLC (trading as Quick Quid) gave him unaffordable payday loans. He wants a refund of the interest he paid, with interest.backgroundMr L had 13 loans from Quick Quid between November 2012 and March 2016. Quick Quid said it’d carried ... (3 pages)View decision -
Decision Reference DRN-4795898
16 May 2024 Oakbrook Finance Limited UpheldConsumer CreditDRN-4795898 The complaint Ms K, through a representative, says Oakbrook Finance Limited lent to her irresponsibly. What happened Ms K took out two loans from Oakbrook Finance. A summary of her borrowing follows, Ms K settled loan 1 early in September 2021: loan taken out value, £ term in m... (3 pages)View decision
