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-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 -
Decision Reference DRN-3386769
21 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3386769 The complaint Mr B complains that NewDay Ltd (“NewDay”) has refused to refund payments he made to Toroption using his NewDay (Opus) Mastercard credit card. Mr B says that Toroption were operating a scam and stole his money. What happened The circumstances of this complaint are... (5 pages)View decision -
Decision Reference DRN-5000419
17 Sep 2024 MBNA Limited UpheldBanking and PaymentsDRN-5000419 The complaint Mr M complains that MBNA Limited lent to him in an irresponsible manner. What happened Mr M has held two credit cards with MBNA. The first card (account number ending 0765) was opened in November 2018 with an initial credit limit of £5,600. The credit limit was... (4 pages)View decision -
Decision Reference DRN-2897316
11 Apr 2022 Bamboo Limited UpheldConsumer CreditDRN-2897316 The complaint Ms M complains about a loan given to her by Bamboo Limited. What happened In December 2014, Ms M applied for a loan of £5,000 with Bamboo. It was agreed on the basis that it would be repaid by 60 monthly instalments of approximately £216. Ms M complains that Bambo... (4 pages)View decision -
Decision Reference DRN-3153417
7 Feb 2022 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3153417 The complaint Mr W complains that Tesco Personal Finance PLC (trading as Tesco Bank) won’t reimburse money he lost when he fell victim to a scam. What happened The background to this complaint is well known to both parties. So, I’ll only provide an overview of some of the key e... (4 pages)View decision -
Decision Reference DRN8079563
1 Nov 2017 WDFC UK Limited UpheldBanking and creditMr R complains that WDFC UK Limited (trading as Wonga) lent him money without checking whether he could afford to repay it. He wants Wonga to refund all the interest and charges he’s paid.backgroundMr R took out six loans with Wonga in 2014, over five months. Severa... (2 pages)View decision -
Decision Reference DRN1551244
23 May 2019 Casheuronet UK LLC UpheldBanking and creditMr L says CashEuroNet UK LLC (trading as Pounds to Pocket) lent to him irresponsibly.backgroundPounds to Pocket approved 12 instalment loans for Mr L. I’ve set out some of the details the business has provided about these loans in the table below. Three of the ... (3 pages)View decision -
Decision Reference DRN-2347937
18 Nov 2020 Loans 2 Go Limited UpheldConsumer CreditDRN-2347937 The complaint Mr L complains that Loans 2 Go Limited lent to him in an irresponsible manner. What happened I issued a provisional decision relating to this complaint in October 2020. In that decision I explained why I thought most of Mr L's complaint should be upheld. Both... (3 pages)View decision -
Decision Reference DRN-5415498
11 Apr 2025 N.I.I.B. Group Limited Not upheldConsumer CreditDRN-5415498 The complaint Mr S complains through a representative that N.I.I.B. Group Limited trading as Northridge Finance (“Northridge”) failed to conduct adequate affordability checks before it lent to him. What happened In April 2019, Northridge provided Mr S with a hire purchase a... (4 pages)View decision -
Decision Reference DRN1933666
31 Aug 2017 MEM Consumer Finance Limited UpheldBanking and creditMiss L complains about a number of payday loans agreed by MEM Consumer Finance Limited (trading as Payday UK). She has said the loans were unaffordable for her.backgroundMiss L took out a total of nine loans with Payday UK between September 2008 and October 2012. The ... (4 pages)View decision
