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-2918032
19 Aug 2021 Advanced Payment Solutions Limited Not upheldBanking and PaymentsDRN-2918032 The complaint Mr R complains as a director of C (a limited company) that Advanced Payment Solutions Limited trading as Cashplus (“Cashplus”) has held him liable for transactions he’s said were carried out fraudulently. What happened Three transactions equalling around £4,000 le... (3 pages)View decision -
Decision Reference DRN-5553098
22 Jul 2025 Bamboo Limited Not upheldConsumer CreditDRN-5553098 The complaint Mr N complains that Bamboo Limited trading as Bamboo Loans irresponsibly lent to him. Mr N says he was struggling with gambling at the time Bamboo lent, and had it carried out sufficient checks, it would have seen that he couldn’t repay what it agreed to lend h... (3 pages)View decision -
Decision Reference DRN-3320142
14 Mar 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3320142 The complaint Mr D complains that Madison CF UK Limited, trading as 118118 Money (Madison), lent to him irresponsibly. What happened Mr D has explained his circumstances at the time and I am sorry to hear it. And I understand his financial situation is better now. Mr D approach... (4 pages)View decision -
Decision Reference DRN-5485540
12 Aug 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5485540 The complaint Miss G complains Monzo Bank Ltd won’t refund the money she sent to an online casino which she now thinks was operating a scam. What happened In June 2024, Miss G used her Monzo card to deposit funds with an online casino (“O”). But when she tried to withdraw fr... (3 pages)View decision -
Decision Reference DRN-4660450
12 Apr 2024 Tesco Personal Finance PLC UpheldConsumer CreditDRN-4660450 The complaint Mr P complains that Tesco Personal Finance PLC trading as Tesco Bank lent to him irresponsibly. What happened In July 2017, Mr P applied for and received a loan of £17,500 from Tesco. The loan was to be repaid in 84 monthly repayments of £262.71. Mr P says that at... (3 pages)View decision -
Decision Reference DRN-5386434
28 May 2025 PDL Finance Limited Not upheldConsumer CreditThe complaint Miss S complains that PDL Finance Limited (PDL), trading as Mr Lender, acted irresponsibly when providing her with two loans. What happened In 2024, Miss S took out the following two loans with PDL: Loan Date of Loan Loan Amount Instalments Date Repaid 1 12/03/2024 £200 3 31/... (4 pages)View decision -
Decision Reference DRN7756278
19 Sep 2017 Casheuronet UK LLC UpheldBanking and creditMr C complains that CashEuroNet UK LLC, trading as Quick Quid, gave him loans he couldn’t afford to repay.backgroundOur adjudicator upheld this complaint. Quick Quid disagreed and asked for an ombudsman to make a decision.I issued a provisional decision on 1 September 201... (6 pages)View decision -
Decision Reference DRN-5643945
10 Sep 2025 HSBC UK Bank Plc UpheldConsumer CreditDRN-5643945 The complaint Mr A complains that HSBC UK Plc lent to him when he could not afford it. And Mr A complains as to how they treated him when he was issued with a default. What happened Mr A applied for a £10,000 Graduate Loan in October 2018. This was due to cost him £250.33 a... (8 pages)View decision -
Decision Reference DRN8611939
11 Jan 2019 CMC Spreadbet Plc Not upheldInvestment and pensionsMrs P’s complaint is that CMC Spreadbet Plc (CMC) had a responsibility to address indications that her trading and/or loss accumulation was out of control but it did not do so. She says CMC’s failure to do so resulted in her excessive gambling, which created a signifi... (4 pages)View decision -
Decision Reference DRN-4796467
30 May 2024 Gain Credit LLC Not upheldConsumer CreditDRN-4796467 The complaint Mr R complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) should’ve carried out a more detailed affordability check before it lent to him. What happened Mr R was advanced one loan of £400 on 11 October 2023. Mr R was due to make five monthly... (3 pages)View decision