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 5125 results
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Decision Reference DRN5092520
4 Jan 2019 Uncle Buck Finance LLP UpheldBanking and creditMr H complains that Uncle Buck Finance LLP lent him money he couldn’t afford to repay.backgroundMr H took out five loans with Uncle Buck between May and October 2014.Mr H says Uncle Buck was irresponsible to agree to lend to him. Mr H says he had a gambling addict... (4 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 DRN-3275239
25 Jan 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3275239 The complaint Mr W complains that Barclays Bank UK PLC trading as Barclaycard gave him a credit card with a limit of £800 without carrying out adequate checks. What happened In April 2016, Barclaycard gave Mr W a credit card with a limit of £800. He considers that it didn’t car... (4 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-3141573
22 Dec 2021 TM Advances Limited UpheldConsumer CreditDRN-3141573 The complaint Mr M complains about a personal loan provided to him by TM Advances Limited, (“TMA”), which he says was irresponsibly lent. What happened TMA provided a loan for £4,000 to Mr M on 26 July 2018. The loan was repayable by 45 monthly payments of £289. The interest r... (5 pages)View decision -
Decision Reference DRN-5294000
28 Feb 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5294000 The complaint Mr M has complained that Bank of Scotland plc trading as Halifax acted irresponsibly when it provided him with an overdraft facility on his current account. He has also said the bank failed in its duty of care to support him as a vulnerable consumer. Background... (5 pages)View decision -
Decision Reference DRN-3143962
4 Nov 2021 Evergreen Finance London Limited UpheldConsumer CreditDRN-3143962 The complaint Miss D has complained that Evergreen Finance London Limited (trading as MoneyBoat) held her liable for a loan which was taken out fraudulently in her name. What happened In 2019, a series of substantial loans were applied for in Miss D’s name. Some of these went t... (6 pages)View decision -
Decision Reference DRN3751992
7 Dec 2015 Gain Capital UK Limited Not upheldInvestment and pensionsMr M complains that GAIN Capital UK Limited (“Gain Capital”) shouldn’t have allowed him to reactivate his spread betting account because of his gambling problem. And in allowing him to do so, Gain Capital has caused him to suffer ‘unaffordable’ losses. He also compl... (2 pages)View decision -
Decision Reference DRN8575468
7 Dec 2015 Spreadex Limited Not upheldInvestment and pensionsMr M complains that Spreadex Limited (“Spreadex”) shouldn’t have allowed him to open a ‘new’ spread betting account because of his gambling problem. And in allowing him to open a new account, Spreadex has caused him to suffer ‘unaffordable’ losses.backgroundMr M says ... (2 pages)View decision -
Decision Reference DRN-4127073
12 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4127073 The complaint Mr C complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit on several occasions. What happened The background to this complaint and my initial conclusions were set out in my p... (4 pages)View decision
