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-3888972
13 Apr 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-3888972 The complaint Mr I complained that Mitsubishi HC Capital UK Plc, trading as Novuna Personal Finance (“Mitsubishi”) irresponsibly granted him a personal loan that he couldn’t afford to repay. What happened Mr I took out a loan of £15,000 in July 2021, over a term of 60 months. T... (3 pages)View decision -
Decision Reference DRN-3253561
1 Feb 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3253561 The complaint Mr C complains Lloyds Bank PLC (trading as Halifax) didn’t help recover the money he says he lost to a fraudulent company. He also believes Halifax should’ve done more to prevent his loss. What happened Mr C became interested in bitcoin trading after seeing advert... (4 pages)View decision -
Decision Reference DRN-2842918
17 Dec 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2842918 The complaint Mr M has complained Barclays Bank UK PLC won’t refund him for multiple transactions he says he didn’t make between 15 July 2020 and 23 July 2020. What happened On 24 July 2020, Mr M told Barclays that he had noticed multiple transactions totalling £3,630.00 debiti... (4 pages)View decision -
Decision Reference DRN-4104935
30 Jun 2023 Gain Credit LLC Not upheldConsumer CreditDRN-4104935 The complaint Miss B complains that Gain Credit LLC , trading as Lending Stream, lent to her irresponsibly. What happened Using information from Lending Stream and Miss B then here is a loan table: Loan Borrowed Date Amount Repayment schedule in agreement - monthly Total to pay... (4 pages)View decision -
Decision Reference DRN6588040
17 Mar 2017 WDFC UK Limited UpheldBanking and creditMiss M has complained about short-term loans granted to her by WDFC UK Limited trading as Wonga (“Wonga” or “the lender”). backgroundWonga agreed 49 short-term loans for Miss M between October 2011 and July 2016. These ranged in value between £230 and £1,500, with an aver... (5 pages)View decision -
Decision Reference DRN-2891768
23 Jun 2021 Hitachi Capital (UK) Plc Not upheldConsumer CreditDRN-2891768 The complaint Mr P’s complaint about Hitachi Capital (UK) Plc (Hitachi) relates to a fixed sum loan he took out with them in 2017 and which he says was unaffordable. What happened Mr P signed a three-year loan agreement with Hitachi for £3,000 on 10 October 2017. The interest w... (4 pages)View decision -
Decision Reference DRN-5188042
12 Dec 2024 Specialist Motor Finance Limited UpheldConsumer CreditDRN-5188042 The complaint Mr S complains through a representative that Specialist Motor Finance Limited (“Specialist”) didn’t take reasonable steps to ensure he could afford the repayments towards a hire purchase agreement. What happened In May 2019, Specialist provided Mr S with finan... (4 pages)View decision -
Decision Reference DRN-4932379
1 Oct 2024 Santander UK Plc Not upheldConsumer CreditDRN-4932379 Complaint Mr C has complained about personal loans Santander UK Plc (“Santander”) provided to him. He says that these loans were unaffordable and shouldn’t have been provided. Background Mr C has also complained about a credit card and an overdraft which Santander provided ... (4 pages)View decision -
Decision Reference DRN-2254491
12 Nov 2020 Valour Finance Limited UpheldConsumer CreditDRN-2254491 The complaint Mr T complains that Valour Finance Limited trading as Savvy.co.uk lent to him irresponsibly. What happened Savvy approved a loan for Mr T which was a 15 month instalment loan of £1,000.00. This was approved on 17th August 2017 and payable in 15 instalments of £133... (4 pages)View decision -
Decision Reference DRN-3935489
25 Oct 2024 eToro (UK) Ltd UpheldInvestmentsDRN-3935489 The complaint Mr M complains that eToro (UK) Ltd (“eToro UK”) allowed him to open a CFD trading account in 2022, when it ought to have known he’d previously asked it not to let him trade. He wants it to reimburse him for the losses he suffered on the account. What happened M... (5 pages)View decision
