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 5443 results
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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 DRN-3084119
10 Nov 2021 N.I.I.B. Group Limited Not upheldConsumer CreditDRN-3084119 The complaint Mr M complains that N.I.I.B. Group Limited trading as Northridge Finance irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In January 2016, Mr M acquired a used car financed by a hire purchase agreement from Northridge ... (2 pages)View decision -
Decision Reference DRN-3101748
3 Nov 2021 Santander UK Plc UpheldBanking and PaymentsDRN-3101748 The complaint Mr P has complained that Santander UK Plc continued charging him excessive amounts for his overdraft when he was in financial difficulty. What happened Mr P complained to Santander about the overdraft charges that had been applied to his account. Santander didn’t ... (2 pages)View decision -
Decision Reference DRN5304971
11 Apr 2017 Casheuronet UK LLC UpheldBanking and creditMiss F complains that CashEuroNet UK LLC (trading as QuickQuid) lent her money that she could never afford to repay.backgroundIn October 2013, Miss F applied for a Flex loan with QuickQuid. QuickQuid checked Miss F’s income and credit report and agreed to the loan ... (2 pages)View decision -
Decision Reference DRN9918885
29 Dec 2016 Lending Stream Llc UpheldBanking and creditMr P complains that Lending Stream LLC gave him unaffordable instalment loans. He wants a refund of the interest he paid, with interest, and for the loans to be removed from his credit file.backgroundMr P had 11 instalment loans from Lending Stream between 2013 and 201... (2 pages)View decision -
Decision Reference DRN-4107483
8 Jun 2023 Blue Motor Finance Ltd UpheldConsumer CreditDRN-4107483 The complaint Mr L complains that Blue Motor Finance Ltd irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In September 2018, Mr L acquired a used car financed by a hire purchase agreement from Blue Motor Finance. Mr L was required t... (2 pages)View decision -
Decision Reference DRN-3157377
8 Dec 2021 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3157377 The complaint Mr A has complained that HSBC UK Bank Plc (“HSBC”) acted unfairly by continuing to apply charges to his account when he was in financial difficulty. What happened Mr A complained to HSBC after it continued to apply charges to his account when he was in financial d... (3 pages)View decision -
Decision Reference DRN-5298768
27 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5298768 The complaint Mr D complains that Vanquis Bank Limited irresponsibly lent to him. Mr D is represented by a solicitor’s firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr D himself. What happe... (2 pages)View decision -
Decision Reference DRN-3244990
3 Feb 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3244990 The complaint Mr Y has complained that Lloyds Bank Plc should not have provided him with an overdraft facility. What happened Mr Y complained to Lloyds about the overdraft facility on his account, he said that he was struggling with gambling and payday lending and that Lloyds t... (2 pages)View decision