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 4676 results
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Decision Reference DRN8504350
31 Dec 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr W complains about three short term loans that he took out with Curo TransatlanticLimited, trading as WageDay Advance, (“WDA”). He said that WDA shouldn’t have given himthe loans as they were unaffordable.backgroundMr W took out two instalment loans and one payday l... (5 pages)View decision -
Decision Reference DRN-3260583
25 Jan 2022 Bank of Ireland (UK) Plc UpheldBanking and PaymentsDRN-3260583 The complaint Mr O complains that Bank of Ireland (UK) Plc (“BOI”) failed to refund £50,312.07 he paid to scammers posing as a binary options trader. The details of this complaint are well known to both parties, so I will not repeat all the details again here. In summary, Mr O ... (5 pages)View decision -
Decision Reference DRN-2691803
11 Nov 2021 Bamboo Limited UpheldConsumer CreditDRN-2691803 The complaint Mr S complains that Bamboo Limited trading as Bamboo Loans acted irresponsibly when it agreed loans for him. He’s represented in his complaint by a claims management company, but for ease, I’ll refer to Mr S only. What happened Mr S has had three loans with Bamboo... (5 pages)View decision -
Decision Reference DRN-3484825
31 Mar 2023 Plus500UK Ltd Not upheldInvestmentsDRN-3484825 The complaint Mr C complains that Plus500UK Ltd re-categorised him as an elective professional client despite him not meeting the required criteria. He has a gambling addiction, and feels Plus500 should’ve recognised and acted upon this, as the increased leverage the profession... (5 pages)View decision -
Decision Reference DRN2997536
7 Dec 2018 Uncle Buck Finance LLP UpheldBanking and creditMr S complains that Uncle Buck Finance LLP, trading as Uncle Buck, ("UBF"), gave himloans that he couldn’t afford to repay. The complaint is brought to this service by a claimsmanagement company but for ease I shall refer below to all actions being taken ... (6 pages)View decision -
Decision Reference DRN3249328
4 Mar 2019 Gain Capital UK Limited Not upheldInvestment and pensionsMr G’s complaint is about his contracts for differences (CFD) trading account with Gain Capital UK Limited (trading as City Index). He says City Index did as follows: Closed, without his consent, three specific trades on 31 May 2018. Unfairly declined his request... (5 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 DRN1801468
28 Feb 2020 Bank of Scotland Plc Not upheldBanking and creditComplaintMr M complains that Bank of Scotland plc lent irresponsibly when it approved a loan for £3,000 in August 2015. BackgroundMr M applied for a loan online with Bank of Scotland on 10 August 2015. In the application, Mr M told Bank of Scotland he earned £1,150 a month and had commitme... (2 pages)View decision -
Decision Reference DRN2202720
18 Feb 2021 Carcashpoint Limited UpheldBanking and creditComplaint Mr H complains that CarCashPoint Limited (trading as “CarCashPoint”) unfairly provided him with two logbook loans. He says he was offered loans he couldn’t afford. Mr H has since complained that CarCashPoint exercised a lack of forbearance when he ran into difficulties making his... (2 pages)View decision -
Decision Reference DRN5961347
4 Oct 2016 PDL Finance Limited UpheldBanking and creditMr S complains about loans given to him by PDL Finance Limited (‘PDL’).backgroundIn summary, Mr S says he was having money troubles at the time he took the loans. And PDL should have realised this and not given him them.This complaint is about four loans as fol... (4 pages)View decision
