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 DRN8352485
8 Nov 2017 MEM Consumer Finance Limited UpheldBanking and creditMiss F complains that MEM Consumer Finance Limited trading as Payday UK was irresponsible to lend her money.background Miss F took out nine loans with Payday UK between July 2012 and October 2013. She says was caught in a spiral of debt.The adjudicator recommended that... (3 pages)View decision -
Decision Reference DRN6439384
1 Mar 2017 Express Finance (Bromley) Limited UpheldBanking and creditMiss F complains that Express Finance (Bromley) Limited trading as Payday Express (“Payday Express”) gave her unaffordable loans. She wants a refund of all interest and fees paid, plus interest, the loans removed from her credit records, and any money due from her wr... (4 pages)View decision -
Decision Reference DRN-3141573
22 Dec 2021 TM Advances Limited UpheldConsumer CreditDRN-3141573 The complaint Mr M complains about a personal loan provided to him by TM Advances Limited, (“TMA”), which he says was irresponsibly lent. What happened TMA provided a loan for £4,000 to Mr M on 26 July 2018. The loan was repayable by 45 monthly payments of £289. The interest r... (5 pages)View decision -
Decision Reference DRN-5294000
28 Feb 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5294000 The complaint Mr M has complained that Bank of Scotland plc trading as Halifax acted irresponsibly when it provided him with an overdraft facility on his current account. He has also said the bank failed in its duty of care to support him as a vulnerable consumer. Background... (5 pages)View decision -
Decision Reference DRN-3143962
4 Nov 2021 Evergreen Finance London Limited UpheldConsumer CreditDRN-3143962 The complaint Miss D has complained that Evergreen Finance London Limited (trading as MoneyBoat) held her liable for a loan which was taken out fraudulently in her name. What happened In 2019, a series of substantial loans were applied for in Miss D’s name. Some of these went t... (6 pages)View decision -
Decision Reference DRN0316276
5 Mar 2021 The Car Finance Company (2007) Ltd UpheldBanking and creditMr P complains that The Car Finance Company (2007) Ltd (“TCFC”) provided him with a hire purchase agreement in January 2015 that was unaffordable. background In January 2015, Mr P acquired a used car from a car dealership through a hire purchase agreement provided by TCFC. The cash price o... (8 pages)View decision -
Decision Reference DRN0883923
21 Apr 2017 Ulster Bank Ltd Not upheldBanking and creditMr R’s complaint is that Ulster Bank Ltd (“Ulster Bank”) caused him a large financial loss due to its’ processes.backgroundMr R was expecting a large bonus from his employer, of nearly £88,000, which was due to be paid into his Ulster Bank account by BACS on Monday ... (5 pages)View decision -
Decision Reference DRN5092520
4 Jan 2019 Uncle Buck Finance LLP UpheldBanking and creditMr H complains that Uncle Buck Finance LLP lent him money he couldn’t afford to repay.backgroundMr H took out five loans with Uncle Buck between May and October 2014.Mr H says Uncle Buck was irresponsible to agree to lend to him. Mr H says he had a gambling addict... (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