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 5123 results
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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 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 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 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 DRN3164446
23 May 2017 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited wouldn’t accept a payment to his credit card balance from his spread betting account. He also complains that Vanquis then harassed him about missed credit card payments. backgroundMr S says Vanquis charged him a missed payment... (2 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 DRN6570549
1 May 2018 Casheuronet UK LLC UpheldBanking and creditMr D complains that CashEuroNet UK LLC was irresponsible to continue to lend to him given his borrowing history.backgroundMr D had eleven loans from CashEuroNet (trading as QuickQuid and Pounds to Pocket) between December 2010 and September 2017 as follows:Mr D says Cas... (4 pages)View decision -
Decision Reference DRN6823613
31 Aug 2017 Lending Stream Llc UpheldBanking and creditMrs S has complained about instatement loans she’s taken with Lending Stream LLC (Lending Stream) between May 2012 and June 2014. Mrs S says the loans weren’t affordable so shouldn’t have been given to her. backgroundMrs S had a total of 28 instalment loans. And a sum... (4 pages)View decision -
Decision Reference DRN2670078
12 Jun 2020 Vanquis Bank Limited UpheldBanking and creditMr C complains about Vanquis Bank Limited (“Vanquis”) for increasing his credit limit on his credit card, despite being aware of his increased debt and greater spending on gambling. He wants Vanquis to refund interest and charges applied to the increased balance and to remove late payment ... (2 pages)View decision -
Decision Reference DRN9371443
10 Apr 2017 Spreadex Limited Not upheldInvestment and pensionsMr B complained because Spreadex Limited allowed him to open an account even though he’d previously asked it to ban him from re-opening an account.backgroundMr B asked Spreadex to close his account and to “ban [him] from reopening”. Spreadex confirmed to Mr B that t... (2 pages)View decision
