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 DRN-4777318
23 Aug 2024 Fluent Money Limited UpheldMortgagesDRN-4777318The complaint Miss F's complaint is about the advice she received from Fluent Money Limited trading as Fluent Money in 2020 to take out a second charge mortgage. As it has been concluded t\<br />View decision
hat the lender should not have agreed to lend, Miss F thinks Fluent should ... (6 pages) -
Decision Reference DRN-5649544
13 Oct 2025 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5649544 The complaint Mr M says Oakbrook Finance Limited, trading as Finio Loans, irresponsibly lent to him. What happened Mr M took out a loan from Finio Loans on 6 December 2024. It was for £2,500 over 24 months. The monthly repayments were £164.79 and the total repayable was £3,9... (3 pages)View decision -
Decision Reference DRN-1395764
21 May 2020 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-1395764 The complaintMr G complains that HSBC UK Bank Plc (HSBC) irresponsibly allowed him to open an account with a £1,000 overdraft and also allowed him to spend in excess of that overdraft. What happenedOur investigator’s background summary covered all the relevant facts and issues,... (3 pages)View decision -
Decision Reference DRN0140887
15 Oct 2018 Uncle Buck Finance LLP UpheldBanking and creditMr J complains that loans he had from Uncle Buck Finance LLP were unaffordable.backgroundMr J had five loans from Uncle Buck between 9 January 2015 and 1 June 2015 as follows:LoanDateAmountTermMonthly RepaymentDueSettled19 Jan 2015£30020d£348.0028 Jan 2015On time231 Jan... (3 pages)View decision -
Decision Reference DRN0229489
13 Apr 2018 Gain Credit LLC Not upheldBanking and creditMr H complains that Gain Credit LLC (trading as Lending Stream) lent him money that he couldn’t afford to repay.Mr H is represented in his complaint by a claims management company.backgroundMr H took out six loans with Lending Stream between January and September 2015.... (3 pages)View decision -
Decision Reference DRN8838061
21 Jun 2018 PDL Finance Limited UpheldBanking and creditMr D says PDL Finance Limited, trading as Mr Lender, gave him loans he couldn’t afford to repay. He says these loans trapped him into a spiral of debt and that Mr Lender should’ve known he was struggling financially.backgroundI issued my provisional decision on this case... (3 pages)View decision -
Decision Reference DRN6122179
23 Jan 2019 Barclays Bank UK PLC Not upheldBanking and creditMs M complains that Barclays Bank UK PLC irresponsibly granted her an overdraft facility.backgroundMs M says Barclays shouldn’t have granted her an overdraft in December 2012. She says at that time she had a poor credit record and payday loans. She’d also just co... (2 pages)View decision -
Decision Reference DRN6813543
2 Jul 2018 Uncle Buck Finance LLP Not upheldBanking and creditMr F complains that Uncle Buck Finance LLP was irresponsible to lend to him as it failed to carry out appropriate checks before doing so.backgroundMr F had three instalment loans from Uncle Buck between December 2016 and July 2017:Loan Date AmountTermPayment Due Status ... (2 pages)View decision -
Decision Reference DRN-3385832
19 Apr 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3385832 The complaint Mr H is unhappy that HSBC UK Bank Plc (“HSBC”) allowed him to go above his approved overdraft limit when he had informed it of a gambling addiction. What happened Mr H had an overdraft facility with HSBC with a formal limit of £200. At times HSBC allowed payments ... (2 pages)View decision -
Decision Reference DRN-3550683
11 Aug 2022 Virgin Money Personal Financial Service Ltd Not upheldConsumer CreditDRN-3550683 The complaint Mr B complains that Virgin Money Personal Financial Service Ltd (‘Virgin’) irresponsibly gave him a loan without adequate checks. What happened On 26 May 2021, Mr B applied for a loan of £7,000 with Virgin. In 2021, Mr B brought a complaint to us about Virgin to s... (2 pages)View decision