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-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-5424264
24 Sep 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5424264 The complaint Mr P complains that Moneybarn No. 1 Limited trading as Moneybarn (Moneybarn) failed to undertake a reasonable assessment of his creditworthiness, prior to lending to him. Mr P is represented in this complaint by a claims management company but, for ease, I’ll r... (5 pages)View decision -
Decision Reference DRN5477275
9 Mar 2017 Cfo Lending Limited UpheldBanking and creditMr B complains that CFO Lending Limited (“CFO”) gave him loans he couldn’t afford to pay back. background I issued a provisional decision in February 2017 where I explained why I planned to uphold most of Mr B’s complaint. An extract from this is attached and forms ... (4 pages)View decision -
Decision Reference DRN-4666249
26 Mar 2024 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4666249 The complaint Mr C complains that Specialist Motor Finance Limited (SMF) failed to complete adequate checks prior to approving a Hire Purchase agreement for him. He says had they done, the finance would not have been agreed. What happened In August 2018, Mr C acquired a used ca... (4 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-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-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-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-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
