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 5125 results
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Decision Reference DRN-2294968
29 Mar 2021 1plus1 Loans Limited UpheldConsumer CreditDRN-2294968 Complaint Miss A has complained that 1plus 1 Loans Limited (trading as “1plus 1 Loans”) provided her with an unaffordable guarantor loan at a time when she had a gambling addiction. Background 1plus 1 Loans provided Miss A with a loan of £4,000.00 in May 2018. This loan had an... (6 pages)View decision -
Decision Reference DRN-4861227
19 Jun 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4861227 The complaint Mr C believes that Santander UK Plc provided credit to him irresponsibly and is unhappy that they didn’t monitor his usage of his credit facility and offer him appropriate support. What happened Mr C has a current account with Santander which initially had no over... (4 pages)View decision -
Decision Reference DRN-4823949
30 May 2024 Fairscore Ltd UpheldConsumer CreditDRN-4823949 Complaint Mrs B has complained about a loan Fairscore Ltd (trading as “Updraft”) provided to her. She says the loan was unaffordable for her and so shouldn’t have been provided to her in the first place. Background Updraft provided Mrs B with a loan for £1,500.00 in August 2022... (4 pages)View decision -
Decision Reference DRN4358147
30 Oct 2017 Nationwide Building Society Not upheldInvestment and pensionsMr H complains that Nationwide Building Society’s advice to invest in a Guaranteed Equity Bond was unsuitable. Mr H is being represented by a claims management company (CMC).backgroundMr H complained that the advice to invest in the World Guaranteed Equity Bond in 1999 ... (2 pages)View decision -
Decision Reference DRN-3072468
4 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3072468 The complaint Mr C complains about lending made to him through four separate credit card accounts by NewDay Ltd. What happened Mr C said that NewDay had lent him money through four separate credit card accounts, starting in 2015. He said that none of this lending was affordabl... (7 pages)View decision -
Decision Reference DRN-3314458
14 Feb 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3314458 The complaint Mr and Mrs S complain that HSBC UK Bank Plc (“HSBC”) has refused to refund payments they made using their HSBC Visa debit card. They made these payments to Optionstarsglobal, which turned out to be a fraudulent binary options company. What happened The circumstan... (5 pages)View decision -
Decision Reference DRN-3677618
1 Sep 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3677618 The complaint Miss M complains that the loans she had from Evergreen Finance London Limited (trading as Moneyboat) were unaffordable to her. What happened Miss M had three loans from Moneyboat between April 2021 and June 2021 as follows: Loan Date Amount Term Monthly Repayment ... (3 pages)View decision -
Decision Reference DRN-3272586
24 Jan 2022 Bamboo Limited UpheldConsumer CreditDRN-3272586 The complaint Mr S complains about two loans from Bamboo Limited, trading as Bamboo Loans, (“Bamboo”), which he says were unaffordable. What happened Mr S was given two loans by Bamboo. Loan 1 was for £5,000 and was taken out in March 2019. Loan 2 was for £5,200 and was taken o... (8 pages)View decision -
Decision Reference DRN-5411949
23 Apr 2025 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-5411949 The complaint Mr M complains that Sainsbury’s Bank Plc irresponsibly lent to him. What happened Mr M was approved for a Sainsbury’s credit card with an £11,000 credit limit in January 2021. Mr M says this was irresponsibly lent to him. Mr M made a complaint to Sainsbury’s. S... (2 pages)View decision -
Decision Reference DRN0677237
13 Dec 2017 Loans 2 Go Limited Not upheldBanking and creditMr D has complained Loans 2 Go Limited shouldn’t have given him two loans as he believes these were unaffordable. He doesn’t think they carried out enough checks.backgroundMr D applied for a log book loan with Loans 2 Go in September 2013. He borrowed £2,500. He agree... (2 pages)View decision
