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
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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 DRN9531068
28 Feb 2020 PDL Finance Limited UpheldBanking and creditMr G complains that PDL Finance Limited, trading as Mr Lender, lent to him in an irresponsible manner.backgroundMr G took out three instalment loans with Mr Lender in February and March 2018. Loans one and two were repayable over three instalments. Mr G repaid those loans soon after he too... (3 pages)View decision -
Decision Reference DRN-2575688
9 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2575688 Complaint Mr W has complained that Loans 2 Go Limited (“L2G”) provided him with unaffordable loans. He says the proper affordability checks weren’t considered and if they had been they would have shown the loans were unaffordable as a result of his gambling addiction. Backgrou... (4 pages)View decision -
Decision Reference DRN8051699
2 Oct 2019 Global Kapital Group Ltd UpheldBanking and creditMr G complains that Global Kapital Group Ltd (trading as myKredit) lent to him in an irresponsible manner.backgroundMr G was given five loans by myKredit between June 2017 and May 2018. Some of the loans were scheduled to be repaid in monthly instalments. Mr G appears to have faced some pr... (4 pages)View decision -
Decision Reference DRN-4978869
6 Sep 2024 Everyday Lending Limited Not upheldConsumer CreditDRN-4978869 The complaint Mr B says Everyday Lending Limited (ELL), trading as Everyday Loans, irresponsibly lent to him. What happened Mr B took out a loan for £1,500 over 18 months in December 2023. The monthly repayments were £147.05 and the total repayable was £2,646.90. He says th... (3 pages)View decision -
Decision Reference DRN2709562
30 Mar 2019 Uncle Buck Finance LLP UpheldBanking and creditMr B complains that Uncle Buck Financial LLP (Uncle Buck) didn’t carry out proper affordability checks and shouldn’t have agreed to lend him 9 loans as he couldn’t pay them back.backgroundMr B took out 9 short term loans between 7th August 2014 and 6th August 2015. A ... (4 pages)View decision -
Decision Reference DRN-2859097
16 Jul 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2859097 The complaint Mr C complains that Loans 2 Go Limited acted irresponsibly when lending to him. What happened Loans 2 Go provided Mr C with a loan as follows: Loan Start date Capital amount borrowed Term Monthly repayment 1 June 2020 £300 18 months £68.57 Mr C mainly said that Lo... (4 pages)View decision
