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 4727 results
-
Decision Reference DRN0696358
3 Sep 2021 Nationwide Building Society UpheldBanking and creditI issued a provisional decision in this complaint about Nationwide Building Society on 21 July 2021. It contains the relevant background information and sets out my provisional findings. For completeness, a copy is annexed to this final decision. background In brief summary, I was minded t... (12 pages)View decision -
Decision Reference DRN-4819572
18 Sep 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-4819572 The complaint Mr P complains that Loans 2 Go Limited lent to him irresponsibly. He says that proper checks would have revealed he had arrears, he had a poor credit record and he carried out betting and gambling transactions. What happened Mr P took two loans with Loans 2 Go ... (5 pages)View decision -
Decision Reference DRN-4189833
18 Oct 2023 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-4189833 The complaint Mr B complains Specialist Motor Finance Limited (SMFL) irresponsibly approved a hire purchase agreement which he couldn’t afford. What happened Mr B took out a hire purchase agreement with SMFL on 11 April 2019. The cash value was £7,000 and the total amount repay... (4 pages)View decision -
Decision Reference DRN-4461725
16 Nov 2023 Chetwood Financial Limited Not upheldConsumer CreditDRN-4461725 The complaint Mr G complains Chetwood Financial Limited trading as BetterBorrow irresponsibly provided him with an unaffordable loan. What happened BetterBorrow provided Mr G with a loan of £10,000 in June 2022. The loan had 84 monthly repayments of around £192 and a total repa... (4 pages)View decision -
Decision Reference DRN-4234962
11 Jul 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4234962 The complaint Mr M complains that FUND OURSELVES LIMITED (FOL), lent to him irresponsibly, because Mr M had multiple and recent payday loan application refusals and he says FOL ought to have known that and not lent to him. What happened Mr M took one loan with FOL for £250 repa... (6 pages)View decision -
Decision Reference DRN-3517008
6 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3517008 The complaint Mr B complains that NewDay Ltd trading as Aqua lent to him irresponsibly when it provided him with credit limits. What happened I issued my provisional decision about this complaint on 11 May 2022. I provisionally upheld the complaint. Here’s what I said: What hap... (6 pages)View decision -
Decision Reference DRN-2544606
30 Mar 2021 Clydesdale Bank Plc Not upheldConsumer CreditDRN-2544606 The complaint Mr P complains that Clydesdale Bank Plc (Clydesdale) lent to him irresponsibly. What happened Mr P applied to Clydesdale for a loan which was accepted and drawn down in April 2020. The loan was for £25,000 over seven years. A few months later, Mr P complained to C... (4 pages)View decision -
Decision Reference DRN-2843483
7 Jun 2021 TM Advances Limited UpheldConsumer CreditDRN-2843483 The complaint Mr H complained that TM Advances Limited lent to him irresponsibly. What happened Mr H took out loans with TM Advances as follows: Loan Date taken Loan amount Term - months Monthly repayment Date loan settled Total cost over full loan term shown on loan agreement ... (5 pages)View decision -
Decision Reference DRN-4715230
28 Mar 2024 Metro Bank PLC UpheldBanking and PaymentsDRN-4715230 The complaint Mr M complains that Metro Bank PLC won’t refund the money he lost to an investment scam. What happened Around January 2018, Mr M was searching online for opportunities to increase his income and came across a company I’ll call ‘T’. Mr M saw that T offered investme... (5 pages)View decision -
Decision Reference DRN-5342796
19 Mar 2025 Trading 212 UK Limited Not upheldInvestmentsDRN-5342796 The complaint Mr D complains that Trading 212 UK Limited (‘Trading 212’) should’ve stopped him trading on its platform. What happened In February 2023 Mr D opened an account with Trading 212 to trade contracts for difference (CFDs). He says he’d previously had trading accoun... (4 pages)View decision
