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 4619 results
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Decision Reference DRN3249328
4 Mar 2019 Gain Capital UK Limited Not upheldInvestment and pensionsMr G’s complaint is about his contracts for differences (CFD) trading account with Gain Capital UK Limited (trading as City Index). He says City Index did as follows: Closed, without his consent, three specific trades on 31 May 2018. Unfairly declined his request... (5 pages)View decision -
Decision Reference DRN-5150132
3 Dec 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5150132 The complaint Mr G complains Monzo Bank Ltd didn’t assist him when he requested financial support. What happened Mr G complains about the lack of support provided by Monzo. He explained he asked Monzo to agree a payment plan to pay back his Flex balance, which is a credit f... (4 pages)View decision -
Decision Reference DRN-3565394
9 Dec 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3565394 The complaint Mr J complains there was malpractice by Bank of Scotland trading as Halifax (BOS) in relation to how they communicated about a credit card account in his name – he would like to be compensated for this. What happened The detailed background to this complaint is we... (4 pages)View decision -
Decision Reference DRN-4376063
10 Nov 2023 Spreadex Limited Not upheldInvestmentsDRN-4376063 The complaint Mr C complains that Spreadex Limited allowed him to run up significant unaffordable sports spread betting losses. He feels it should’ve have carried out more stringent checks and restricted access to his account sooner. What happened Mr C opened an account with Sp... (5 pages)View decision -
Decision Reference DRN-5128391
6 Nov 2024 Evolution Lending Limited UpheldMortgagesDRN-5128391 The complaint Mr L complains that Evolution Lending Limited lent to him irresponsibly when it gave him a third charge mortgage. What happened In January 2023, Mr L took out a third charge mortgage with Evolution. He borrowed £15,000 over 15 years on a variable interest rate ... (5 pages)View decision -
Decision Reference DRN-3444417
13 May 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3444417 The complaint Mr A complains about a loan from AvantCredit of UK, LLC, (“ACUK”), which he says was unaffordable. What happened ACUK provided Mr A with a loan of £4,750 in August 2018. ACUK also added a £250 administration fee to the credit amount. The interest rate was 35.51%, ... (7 pages)View decision -
Decision Reference DRN5229750
28 Sep 2016 MEM Consumer Finance Limited UpheldBanking and creditMr H complains that MEM Consumer Finance Limited, trading as PaydayUK, (Payday) gave him loans he couldn’t afford to repay. backgroundMr H took out eight loans with Payday between 2010 and 2013 for amounts ranging between £200 and £640. He rolled over each of them, apa... (3 pages)View decision -
Decision Reference DRN6600513
9 Sep 2016 MEM Consumer Finance Limited UpheldBanking and creditMr C complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans he couldn’t afford to repay. He asks that it writes off the debt, corrects his credit file and pays compensation.backgroundMr C took loans from Payday UK in November 2012 and January... (2 pages)View decision -
Decision Reference DRN1801468
28 Feb 2020 Bank of Scotland Plc Not upheldBanking and creditComplaintMr M complains that Bank of Scotland plc lent irresponsibly when it approved a loan for £3,000 in August 2015. BackgroundMr M applied for a loan online with Bank of Scotland on 10 August 2015. In the application, Mr M told Bank of Scotland he earned £1,150 a month and had commitme... (2 pages)View decision -
Decision Reference DRN8704716
28 Mar 2018 DJS (UK) Limited Not upheldBanking and creditMr H complains that DJS (UK) Limited (trading as Piggybank) was irresponsible to lend to him. He wants Piggybank to write off his outstanding debt.backgroundMr H took out two loans with Piggybank in late 2016. One in November 2016 for £300 and the second in Decem... (2 pages)View decision
