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 4808 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-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-2343561
10 Dec 2020 Carcashpoint Limited UpheldConsumer CreditDRN-2343561 The complaint Mr P complains that CarCashPoint Limited lent to him in an irresponsible manner. What happened Mr P was given four loans by CarCashPoint as shown in the table below. Each of the loans was secured on a vehicle that Mr P owned. It appears that, from time to time, Mr... (4 pages)View decision -
Decision Reference DRN8957992
19 Sep 2013 Bank of Scotland Plc Not upheldBanking and creditMr Q complains that Bank of Scotland plc refuses to refund a number of online payments made using his credit card, but without his knowledge or permission. background Mr Q opened an online gambling account in early 2012 and linked his Bank of Scotland credit card to it. One morning in ... (2 pages)View decision -
Decision Reference DRN-4418956
25 Oct 2023 Nationwide Building Society UpheldConsumer CreditDRN-4418956 The complaint Mr B’s complaint is that Nationwide Building Society irresponsibly provided him with three unaffordable loans. What happened Nationwide provided Mr B with the following loans: Loan Date of loan Capital amount Term (months) Monthly repayments Total repayable value ... (5 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 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-2957326
1 Sep 2021 Plus500UK Ltd Not upheldInvestmentsDRN-2957326 The complaint Ms K complains about her Contracts for Differences (CFD) trading account with Plus500UK Ltd. What happened Ms K opened her account in February 2018 and traded until she closed it in September 2018. She reopened the account in April 2020 and traded until October 20... (4 pages)View decision -
Decision Reference DRN-5358870
19 Mar 2025 Marks & Spencer Financial Services plc Not upheldBanking and PaymentsDRN-5358870 Complaint Mr S has complained about a credit card Marks & Spencer Financial Services Plc (trading as “M&S Bank”) provided to him. He says that the credit card and the subsequent limit increases were unaffordable for him and left him severely in debt which he has stru... (8 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
