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 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 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-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 DRN2445625
22 Nov 2018 Western Circle Limited UpheldBanking and creditMr S complains that Western Circle Ltd (trading as Cash Float) gave him loans that he couldn’t afford to repay. Mr S is represented by a claims management company. His representative says Cash Float should refund the sums advanced as well as interest and charges and rem... (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 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 DRN-3826683
25 Nov 2022 Fluro Platform Limited Not upheldConsumer CreditDRN-3826683 The complaint Mr N complains that Fluro Platform Limited, trading as Lending Works (“Lending Works”) shouldn’t have lent to him because it ought reasonably to have realised that he would struggle to make his repayments. What happened Lending Works approved a loan of £1,000 for ... (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
