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
-
Decision Reference DRN7279552
13 Dec 2016 PDL Finance Limited UpheldBanking and creditMiss S complains that PDL Finance Limited, trading as Mr Lender (PDL), gave her five instalment loans that were unaffordable.backgroundMiss S took five instalment loans with PDL between 28 May 2015 and 15 December 2015. date taken principal amount borrowed £ term of loan... (3 pages)View decision -
Decision Reference DRN-3192972
7 Mar 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3192972 The complaint Mr F complained that Madison CF UK Limited trading as 118 118 Money lent to him irresponsibly and provided him with an unaffordable loan. What happened Mr F was given a loan by 118 118 Money as follows: Loan start date Loan amount Monthly repayment Total amount pa... (3 pages)View decision -
Decision Reference DRN-3236519
27 Jan 2022 MBNA Limited UpheldBanking and PaymentsDRN-3236519 The complaint Mr L has complained that MBNA Limited was irresponsible in lending to him. What happened In 2016, Mr L took out a credit card with MBNA for £10,000. The limit was increased to £13,000 over the following 18 months. The account was later closed. In 2021, Mr L compla... (3 pages)View decision -
Decision Reference DRN1499237
23 Jan 2020 Emergency Cash Limited UpheldBanking and creditMr C says Emergency Cash Limited, trading as wizzcash.com (“ECL”) irresponsibly lent to him.backgroundThis complaint is about three instalment loans ECL provided to Mr C between March 2015 and October 2016. Mr C’s borrowing history is as follows:Mr C has said he should not have been given ... (3 pages)View decision -
Decision Reference DRN-3479502
13 May 2022 John Lewis Financial Services Limited UpheldBanking and PaymentsDRN-3479502 The complaint Mr R complains that John Lewis Financial Services Limited refuses to refund money he lost to a binary options investment scammer. What happened Mr R saw Greenfields Capital (GC) on a social media advert. He left his contact details on their webform and a broker re... (5 pages)View decision -
Decision Reference DRN-3543721
15 Jun 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3543721 The Complaint Mr J says that Everyday Lending Limited (trading as Everyday Loans) (the ‘Business’) lent to him irresponsibly when he was granted a personal loan on 23 May 2012. Background to the Complaint The Business provided Mr J with a £3,000 loan (the ‘Primary Loan’). It ha... (6 pages)View decision -
Decision Reference DRN0076374
16 Sep 2014 IG Index Limited Not upheldInvestment and pensionsMr K complains that IG Index Limited (trading as IG Markets) allowed him to lose a significant amount of money spread-betting and trading contracts for differences (CFDs). He feels that based on his annual earnings he should not have been exposed to the risk of such high losses. In ad... (3 pages)View decision -
Decision Reference DRN3779474
24 Feb 2020 Gain Credit LLC Not upheldBanking and creditMr A says Gain Credit LLC (trading as ‘Lending Stream’) gave him loans that he couldn’t afford.backgroundLending Stream gave Mr A four instalment loans between September 2017 and January 2018. Here’s a table showing the loan details:LoanDateTakenDateRepaidInstalmentsAmountCombined Highest... (4 pages)View decision -
Decision Reference DRN-5853296
10 Oct 2025 TSB Bank plc UpheldBanking and PaymentsDRN-5853296 The complaint Mr V complains TSB Bank plc isn’t helping him despite the fact that he’s not been able to receive one-time passcodes since 28 February 2025. What happened Mr V has an account with TSB and has done so for almost 13 years. Mr V says he’s been living abroad for at... (3 pages)View decision -
Decision Reference DRN-3463409
5 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3463409 The complaint Mr E complains through his representative that Everyday Lending Limited lent him money on a high interest loan which he was unable to afford to repay. What happened Everyday provided Mr E with a loan on 28 January 2019, for £5,500, repayable in 36 monthly instalme... (4 pages)View decision
