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 DRN5772091
20 Feb 2018 Gain Credit LLC UpheldBanking and creditMr D complains about 21 instalment loans that he took out with Gain Credit LLC, trading as Lending Stream, (“LSL”). He said that LSL shouldn’t have given him the loans as they were unaffordable. The complaint is brought to this service on Mr D’s behalf by a claims man... (6 pages)View decision -
Decision Reference DRN-4861227
19 Jun 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4861227 The complaint Mr C believes that Santander UK Plc provided credit to him irresponsibly and is unhappy that they didn’t monitor his usage of his credit facility and offer him appropriate support. What happened Mr C has a current account with Santander which initially had no over... (4 pages)View decision -
Decision Reference DRN-3289248
1 Feb 2022 Logbook Money Limited UpheldConsumer CreditDRN-3289248 The complaint Mr G has complained that Logbook Money Limited (“LML”) was irresponsible to have agreed a loan for him. What happened LML provided Mr G with a loan of £1,500 on 30 May 2020. The total amount of £4,200.30, including interest and charges, was to be repaid in 78 week... (5 pages)View decision -
Decision Reference DRN2147247
25 Mar 2018 Gain Credit LLC UpheldBanking and creditMr C complains about 16 instalment loans that he took out with Gain Credit LLC, trading as Lending Stream, (“LS”). He said that LS shouldn’t have given him the loans as they were unaffordable.background Mr C took out 16 instalment loans with LS as follows:Number of LoanD... (5 pages)View decision -
Decision Reference DRN-4391036
29 Nov 2023 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4391036 The complaint Mr M complains that Specialist Motor Finance Limited (SMF) irresponsibly granted him a hire purchase agreement that he couldn’t afford to repay. What happened In January 2018 Mr M acquired a vehicle financed by a hire purchase agreement from SMF. Mr M was required... (4 pages)View decision -
Decision Reference DRN-5421345
24 Mar 2025 Preferred Mortgages Limited UpheldMortgagesDRN-5421345 The complaint Mr H complains that Preferred Mortgages Limited has not accurately recorded details of his vulnerability. What happened Mr H has a mortgage with Preferred. The mortgage is administered by Acenden – but Preferred is the lender and responsible for what Acenden di... (4 pages)View decision -
Decision Reference DRN-2273113
20 Sep 2021 1plus1 Loans Limited UpheldConsumer CreditDRN-2273113 The complaint Mr C has complained that 1Plus1 Loans Limited (“1Plus1” or “the lender”) should not have agreed a guarantor loan for him in May 2018. What happened 1Plus1 agreed a loan of £2,000 for Mr C on the 23 May 2018. The monthly repayment was £122.50 over a term of two ye... (4 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 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
