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 4726 results
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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-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-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-4800266
30 Sep 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4800266 The complaint Miss M complains that Santander UK Plc (“Santander”) failed to refund transactions she didn’t recognise. What happened Miss M noticed her card had been used by her (at the time) partner to make a number of transactions to a betting company I’ll refer to as P. M... (4 pages)View decision -
Decision Reference DRN-4879431
30 Oct 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4879431 The complaint Mrs R complains that Santander UK Plc hasn’t refunded him after she reported falling victim to a scam. What happened Mrs R was introduced to a form of investment with a company I’ll refer to as B. She was referred to them by a broker presenting investment oppor... (4 pages)View decision -
Decision Reference DRN-4381774
5 Oct 2023 Valour Finance Limited UpheldConsumer CreditDRN-4381774 The complaint Mrs B complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) gave her loans without carrying out the correct affordability checks. Mrs B says had it carried out better checks, Valour would’ve seen multiple late payments and evidence that she was c... (8 pages)View decision -
Decision Reference DRN0777012
23 Sep 2016 WDFC UK Limited UpheldBanking and creditMr G complains that WDFC UK Limited trading as Wonga (“Wonga”) gave him unaffordable loans. He wants a refund of any interest paid, together with interest.backgroundIn my provisional decision I set out why I intended to uphold Mr G’s complaint. Wonga responded and said... (2 pages)View decision -
Decision Reference DRN-4274267
1 Aug 2023 Nationwide Building Society Not upheldBanking and PaymentsDRN-4274267 The complaint Mr J complains that Nationwide Building Society irresponsibly provided him with a credit card, and increased the limit, which he couldn’t afford the payments on. What happened Nationwide provided Mr J with a credit card on 17 September 2014. He was given an initia... (5 pages)View decision -
Decision Reference DRN-4123659
12 May 2023 Evergreen Finance London Limited Not upheldConsumer CreditDRN-4123659 The complaint Mr T complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (MoneyBoat) provided him with loans without carrying out the proper checks. Had it done so, MoneyBoat would’ve realised these loans weren’t affordable for him. What happened Mr T was a... (5 pages)View decision -
Decision Reference DRN0062445
21 Dec 2018 Harvey & Thompson Limited Not upheldBanking and creditMr A complains that the loans he had from Harvey & Thompson Limited were unaffordable and caused him to get into a debt spiral.backgroundMr A had four loans from Harvey and Thompson between April 2014 and June 2017 as follows:Loan Date AmountRepaymentsFrequency DueP... (3 pages)View decision