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 DRN4700520
23 Sep 2015 Santander UK Plc Not upheldBanking and creditMr C complains Santander UK Plc won’t refund him money that’s been taken out of his account. He says he didn’t agree to the money being taken – in other words, he didn’t authorise the payments.backgroundThere’s some disagreement between Mr C and Santander about what ... (3 pages)View decision -
Decision Reference DRN9005742
27 Oct 2017 Bamboo Limited Not upheldBanking and creditMiss P complains that Bamboo Limited mis-sold her a loan she could not afford.backgroundIn January 2017 Miss P applied to Bamboo for a loan of £10,000. It offered her £5,000 and she took it. This loan was guaranteed by a third party and was to be repaid over five y... (2 pages)View decision -
Decision Reference DRN9147357
7 Jun 2018 Casheuronet UK LLC UpheldBanking and creditMr H complains that CashEuroNet UK LLC, trading as QuickQuid (“QQ”) and Pounds to Pocket (“P2P”), gave him loans that he couldn’t afford to repay.backgroundMr H was given 6 loans and two top up loans by QQ between November 2010 and January 2012. These have all been re... (5 pages)View decision -
Decision Reference DRN-3298367
4 Feb 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3298367 The complaint Mr K complains that HSBC Bank UK Plc did not do enough to recover the money he lost to an investment scammer. What happened In April 2018, Mr K came across 365 Markets after looking into forex trading online. He found an advert about them which stated consumers co... (7 pages)View decision -
Decision Reference DRN-4895769
23 Aug 2024 Nationwide Building Society UpheldConsumer CreditDRN-4895769 The complaint Mr M complains that Nationwide Building Society irresponsibly lent to him. What happened Mr M was approved for a Nationwide personal loan in June 2019 for £17,307.90. Due to Mr M requesting breathing space on the personal loan during the Covid lockdown, Nationw... (5 pages)View decision -
Decision Reference DRN-3550636
17 Jun 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3550636 The complaint Mr L complains about a loan provided to him by Loans 2 Go Limited, (“L2G”), which he says was unaffordable. He also complained that he felt he was being overcharged interest. What happened L2G entered into an agreement for a loan for Mr L in March 2019. The loan w... (7 pages)View decision -
Decision Reference DRN-3374981
23 May 2022 PayPal (Europe) Sarl et Cie SCA Not upheldBanking and PaymentsDRN-3374981 The complaint Mr B complains about PayPal (Europe) Sarl et Cie SCA and their decision to permanently restrict his account without providing an explanation. Mr B is also unhappy as he believes PayPal have shared this information with other companies. What happened Mr B held a Pa... (4 pages)View decision -
Decision Reference DRN9602098
12 Sep 2018 Active Securities Limited UpheldBanking and creditMr R says that Active Securities Limited trading as 247Moneybox.com (“Moneybox”) was irresponsible by lending to him. He continuously borrowed from one lender to pay another.backgroundI attach my provisional decision dated 20 August 2018, which forms part of this final d... (6 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
