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 4619 results
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Decision Reference DRN-4838041
10 Jun 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4838041 The complaint Mr M complains that NewDay Ltd acted irresponsibly in lending him two credit cards. What happened Mr M took out a credit card with NewDay under its Aqua brand in June 2021, with a credit limit of £600. In November 2022, Mr M took out a further credit card with New... (4 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 -
Decision Reference DRN-2825186
21 May 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2825186 The complaint Mr D is unhappy that Barclays Bank UK PLC approved him for a credit account which he believes was unaffordable for him at that time. What happened In March 2017, Mr D applied for a credit account with Barclays online. His application was approved, and Mr D was acc... (5 pages)View decision -
Decision Reference DRN-3204621
3 Nov 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3204621 The complaint Mrs B complains that Barclays Bank UK PLC trading as Barclaycard irresponsibly lent to her. What happened Mrs B’s credit card account was opened in 1995. An initial credit limit of £750 was approved and was later increased as follows: The credit limit was later re... (5 pages)View decision -
Decision Reference DRN-3465759
7 Sep 2022 Morses Club PLC Not upheldConsumer CreditPage 1 of 5The complaint Mr M has two complaints about Morses Club PLC. The first is that Morses lent to him irresponsibly in September 2021. The second is that when he wanted to reborrow 10 weeks later the policy had been changed (in August 2021) to mean he was not able to ask for more cr... (5 pages)View decision -
Decision Reference DRN0859689
7 Jul 2016 Uncle Buck Finance LLP UpheldBanking and creditMr L complains Uncle Buck Finance LLP was irresponsible to lend him money. backgroundThe background to this complaint and my provisional findings are set out in my provisional decision dated 9 May 2016 – a copy of which is attached and forms part of this, my final ... (6 pages)View decision -
Decision Reference DRN8524833
5 Sep 2017 Cheque Centres Limited UpheldBanking and creditMr B has complained about several loans granted to him by Cheque Centres Limited. He’s said Cheque Centres allowed him to take out loans he couldn’t afford which contributed to him falling into a debt spiral.backgroundCheque Centres says it agreed seven loans for Mr B... (5 pages)View decision
