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-3812127
5 Dec 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3812127 The complaint Miss M complains that Barclays Bank UK PLC trading as Barclaycard was irresponsible in its lending to her. What happened Miss M took out a credit card with Barclaycard in August 2012. The initial limit of £6,800 was reviewed and increased in December 2014 to £10,8... (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 -
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-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 DRN7090440
10 Feb 2020 Virgin Money plc Not upheldBanking and creditMr M has complained Virgin Money plc won’t refund numerous disputed transactions which he didn’t authorise.backgroundMr M didn’t bank online and only received paper statements for his account with Virgin on a quarterly basis. He went to a Virgin branch to withdraw money and found his accou... (3 pages)View decision -
Decision Reference DRN1389949
3 Sep 2018 Casheuronet UK LLC Not upheldBanking and creditMr H complains about the loans he took out with CashEuroNet UK LLC trading as QuickQuid. He says that he became reliant on these loans and he needed to keep borrowing to balance his finances. He thinks QuickQuid’s credit checks should’ve shown this and it shouldn’t h... (3 pages)View decision -
Decision Reference DRN-4951026
21 Aug 2024 Sainsbury's Bank Plc UpheldConsumer CreditDRN-4951026 The complaint Mr H complains that Sainsbury’s Bank Plc lent irresponsibly when it approved two loan applications he made. What happened In January 2019 Mr H applied for a loan of £7,000 with Sainsbury’s Bank. Mr H said he was self employed and that his income was £31,200 wh... (3 pages)View decision
