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-5139730
12 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5139730 The complaint Mr M is complaining about NewDay Ltd because he says it lent irresponsibly by providing him with three separate credit cards and increasing the credit limit on each account. What happened Mr M opened the following credit card accounts with NewDay: Aqua – ope... (5 pages)View decision -
Decision Reference DRN-3161114
8 Dec 2021 Buffa Loans Ltd UpheldConsumer CreditDRN-3161114 The complaint Mr M complains that Buffa Loans Ltd (trading as ‘Buffa’) lent to him irresponsibly. What happened This complaint is about loans Buffa provided to Mr M as follows: Loan Date Taken Date Repaid Instalments Amount Highest Repayment 1 4/01/2020 9/03/2020 3 £200.00 £95.... (4 pages)View decision -
Decision Reference DRN-3233201
31 Dec 2021 Metro Bank PLC UpheldBanking and PaymentsDRN-3233201 The complaint Mr A complains, in summary, that Metro Bank PLC did not do enough to help him recover all the money he had paid to a binary options investment scam using his Metro Mastercard debit card. What happened After seeing an advertisement for a merchant offering binary op... (7 pages)View decision -
Decision Reference DRN-5199998
11 Dec 2024 IG Markets Limited Not upheldInvestmentsDRN-5199998 The complaint Mr C complains that IG Markets Limited is responsible for the financial losses he suffered operating his Contracts for Differences (CFD) trading account. He says that IG Markets Limited failed in its duty of care to him, given his vulnerabilities and incorrectl... (9 pages)View decision -
Decision Reference DRN-4156751
1 Dec 2023 Interactive Brokers (U.K.) Limited UpheldInvestmentsDRN-4156751 The complaint Mr M complains that Interactive Brokers (UK) Ltd didn’t do enough due diligence when he opened his accounts, and that the amounts he deposited were well outside the amount of assets and income he declared. He feels that the accounts were not appropriate for him, a... (8 pages)View decision -
Decision Reference DRN-1537344
5 Sep 2020 Harvey & Thompson Limited UpheldConsumer CreditDRN-1537344The complaintMrs P complains that Harvey & Thompson Limited lent irresponsibly to her. What happenedBetween October 2011 and March 2013, Mrs P borrowed seven loans from Harvey & Thompson. The lending history is set out below: LoanDate TakenDate RepaidInstalmentsAmountMax... (3 pages)View decision -
Decision Reference DRN0871035
4 Jan 2019 Uncle Buck Finance LLP UpheldBanking and creditMr L complains that Uncle Buck Finance LLP gave him unaffordable instalment loans. He wants a refund of the interest and charges he paid, with interest.backgroundMr L had twelve loans from Uncle Buck between June 2015 and December 2017. He said he was borrowing to repa... (3 pages)View decision -
Decision Reference DRN-5116621
5 Dec 2024 Gain Credit LLC Not upheldConsumer CreditDRN-5116621 The complaint Mr L complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) lent to him without carrying out sufficient checks. What happened Mr L was advanced one loan of £250 on 8 December 2023. Mr L was due to make five monthly repayments of £83.86 foll... (4 pages)View decision -
Decision Reference DRN-5433546
9 Apr 2025 Tandem Home Loans Ltd UpheldMortgagesDRN-5433546 The complaint Ms C says that a secured (second charge) loan she took out in 2021 with Tandem Home Loans Ltd trading as Oplo was unaffordable and irresponsibly lent. What happened Ms C applied for this loan in January 2021 through an independent mortgage broker. The offer iss... (4 pages)View decision -
Decision Reference DRN-5474801
16 Apr 2025 Evergreen Finance London Limited UpheldConsumer CreditDRN-5474801 The complaint Mr H complains through a representative that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided him with loans without carrying out sufficient affordability checks. What happened A summary of Mr H’s borrowing can be found below.... (7 pages)View decision
