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 4727 results
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Decision Reference DRN-3320142
14 Mar 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3320142 The complaint Mr D complains that Madison CF UK Limited, trading as 118118 Money (Madison), lent to him irresponsibly. What happened Mr D has explained his circumstances at the time and I am sorry to hear it. And I understand his financial situation is better now. Mr D approach... (4 pages)View decision -
Decision Reference DRN-4153587
25 May 2023 Capital One (Europe) plc UpheldBanking and PaymentsDRN-4153587 The complaint Miss T complains that Capital One (Europe) plc lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. ... (3 pages)View decision -
Decision Reference DRN-2918032
19 Aug 2021 Advanced Payment Solutions Limited Not upheldBanking and PaymentsDRN-2918032 The complaint Mr R complains as a director of C (a limited company) that Advanced Payment Solutions Limited trading as Cashplus (“Cashplus”) has held him liable for transactions he’s said were carried out fraudulently. What happened Three transactions equalling around £4,000 le... (3 pages)View decision -
Decision Reference DRN-3616284
29 Jul 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-3616284 The complaint Mr K complains about a loan Loans 2 Go Limited provided to him. He says that Loans 2 Go Limited didn’t carry out proper lending checks and, if they had done so, would have seen that he had a gambling addiction. Mr K says Loans 2 Go Limited shouldn’t have lent to h... (4 pages)View decision -
Decision Reference DRN-5372363
7 Apr 2025 MotoNovo Finance Limited Not upheldConsumer CreditDRN-5372363 Complaint Mr M complains that MotoNovo Finance Limited (“MotoNovo”) unfairly entered into a hire- purchase agreement with him. He’s said the payments to his agreement were unaffordable. Background In December 2020, MotoNovo provided Mr M with finance for a used car. The cas... (3 pages)View decision -
Decision Reference DRN-2864272
15 Sep 2021 TFS Loans Limited UpheldConsumer CreditDRN-2864272 The complaint Mr C complains TFS Loans Limited didn’t complete reasonable and proportionate checks when accepting him for a loan. What happened Mr C was accepted for a guarantor loan with TFS in May 2015. The loan was for £6,000 over a term of 36 months with a monthly repayment... (4 pages)View decision -
Decision Reference DRN7756278
19 Sep 2017 Casheuronet UK LLC UpheldBanking and creditMr C complains that CashEuroNet UK LLC, trading as Quick Quid, gave him loans he couldn’t afford to repay.backgroundOur adjudicator upheld this complaint. Quick Quid disagreed and asked for an ombudsman to make a decision.I issued a provisional decision on 1 September 201... (6 pages)View decision -
Decision Reference DRN8611939
11 Jan 2019 CMC Spreadbet Plc Not upheldInvestment and pensionsMrs P’s complaint is that CMC Spreadbet Plc (CMC) had a responsibility to address indications that her trading and/or loss accumulation was out of control but it did not do so. She says CMC’s failure to do so resulted in her excessive gambling, which created a signifi... (4 pages)View decision -
Decision Reference DRN-4796467
30 May 2024 Gain Credit LLC Not upheldConsumer CreditDRN-4796467 The complaint Mr R complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) should’ve carried out a more detailed affordability check before it lent to him. What happened Mr R was advanced one loan of £400 on 11 October 2023. Mr R was due to make five monthly... (3 pages)View decision -
Decision Reference DRN7697107
12 Feb 2018 Nationwide Building Society UpheldBanking and creditMr S complains that Nationwide Building Society (“Nationwide”) shouldn’t have given him an overdraft, which he was subsequently allowed to increase the limit on in 2014. backgroundI issued a provisional decision, setting out my thoughts on why I though Mr S’ complain... (7 pages)View decision
