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 5478 results
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Decision Reference DRN2975515
6 Jun 2017 Casheuronet UK LLC UpheldBanking and creditMr V has complained CashEuroNet UK LLC (trading as QuickQuid) lent him money when it shouldn’t have.backgroundQuickQuid agreed 26 short-term loans for Mr V between August 2011 and June 2016. These loans were frequently increased (“topped up”) during their terms, meaning ... (7 pages)View decision -
Decision Reference DRN3798512
18 Apr 2019 Retail Money Market Ltd Not upheldBanking and creditMr P complains that Retail Money Market Ltd (trading as RateSetter) did not carry out adequate affordability checks before lending to him and provided him with money he couldn’t afford to repay. He also complains that a large arrangement fee was added to the loan.bac... (4 pages)View decision -
Decision Reference DRN7334431
7 Nov 2016 Bank of Scotland Plc Not upheldBanking and creditMr E complains that Bank of Scotland plc (trading as Halifax) will not refund payments he says he did not make from his account.backgroundAn online account was set up with a gambling company in Mr E’s name. Payments of £37,030 were made to the company using his ban... (2 pages)View decision -
Decision Reference DRN-1374090
10 May 2020 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-1374090 The complaintMr and Mrs B complain that HSBC UK Bank Plc failed to stop or question payments to gambling companies. What happenedMr B says he works abroad and discovered Mrs B had spent about £400,000 on gambling transactions. He says HSBC failed to tell him about the spending ... (2 pages)View decision -
Decision Reference DRN-2777777
15 May 2021 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2777777 The complaint Miss M complains that Capital One (Europe) plc irresponsibly allowed her to open a credit card account. What happened Miss M she opened the Capital One account in March 2019 and at the time had a number of loans. She says she had a gambling problem and if Capital ... (2 pages)View decision -
Decision Reference DRN-5810460
17 Dec 2025 Savvy Loan Products Limited Not upheldConsumer CreditDRN-5810460 The complaint Mr K complains that Savvy Loan Products Limited trading as Tick Tock Loans (“Savvy”) lent to him irresponsibly and when he had a gambling habit. What happened Here is a brief table of the lending. Loan Approved Amount Terms (rounded) 1 24 August 2024 £400£131 x... (2 pages)View decision -
Decision Reference DRN6427263
27 Nov 2013 Lloyds Bank PLC Not upheldBanking and creditMrs K is unhappy about disputed transactions on her credit card. Lloyds Bank PLC (previously Lloyds TSB Bank PLC) refunded some but not all of the disputed cash withdrawals.background Mrs K disputed three gambling transactions totalling £500 and cash machine withdrawals totalling £1,840 ... (2 pages)View decision -
Decision Reference DRN-4859771
20 Jun 2024 Advantage Finance Ltd UpheldConsumer CreditDRN-4859771 The complaint Mrs C complains Advantage Finance Ltd (AFL) didn’t sufficiently check whether she could sustain the repayments. And so acted irresponsibly in lending to her as she said the loan was unaffordable. In bringing her complaint Mrs C is represented by a third party. For... (5 pages)View decision -
Decision Reference DRN3525727
12 Feb 2019 Uncle Buck Finance LLP UpheldBanking and creditMr T complains that Uncle Buck Finance LLP was irresponsible to lend to him. He asks that it admits this and compensates him.backgroundMr T took out seven loans with Uncle Buck between January 2015 and January 2016 as follows: loan 1 for £400 taken out on 26 Januar... (6 pages)View decision -
Decision Reference DRN-3553735
6 Jul 2022 Oakbrook Finance Limited UpheldConsumer CreditDRN-3553735 The complaint Mr A complains that OAKBROOK FINANCE LIMITED trading as Likely Loans lent him money on high cost loans which he couldn’t afford to repay. What happened Likely Loans provided Mr A with the following loans: Date of loan Amount Term Instalment* Date repaid Loan 1 13/... (4 pages)View decision