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 4777 results
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Decision Reference DRN9558634
13 Apr 2016 Vanquis Bank Limited Not upheldBanking and creditMr W complains that Vanquis Bank Limited should refund his disputed transactions and remove the default from his credit file.BackgroundMr W complained about disputed transactions to a gambling website. He said that these transactions took him over his credit limit and... (2 pages)View decision -
Decision Reference DRN1616417
5 Dec 2017 Provident Personal Credit Limited Not upheldBanking and creditMs P complains that Provident Personal Credit Limited, trading as Satsuma Loans, gave her a loan she couldn’t afford to repay.backgroundIn August 2016, Ms P took out a loan of £250 with Satsuma. The repayments were £20.48 a week for 21 weeks. I understand that Ms P di... (2 pages)View decision -
Decision Reference DRN4871432
3 May 2018 Instant Cash Loans Limited Not upheldBanking and creditMr M complains that Instant Cash Loans Limited (trading as Payday Express) lent him money even though it should have realised the repayments were unaffordable to him.backgroundMr M had two loans from Payday Express in October 2009.Payday Express said the loans were a... (2 pages)View decision -
Decision Reference DRN-3830627
7 Jan 2023 Salad Finance Limited Not upheldConsumer CreditDRN-3830627 The complaint Miss P complains that Salad Finance Limited lent irresponsibly when it approved a loan. What happened Miss P applied for a loan with Salad Finance in August 2021. Salad Finance approved the application and gave Miss P a loan for £1000 over a term of 12 months with... (2 pages)View decision -
Decision Reference DRN-1460730
4 Mar 2020 Gain Credit LLC Not upheldConsumer CreditDRN-1460730 The complaintMr B says Gain Credit LLC (trading as Lending Stream) lent to him irresponsibly. What happenedMr B had two six-month instalment loans with Lending Stream. The first, in April 2019, was for £300 and the second, in July 2019, was for £810. An adjudicator considered M... (2 pages)View decision -
Decision Reference DRN9167847
8 Apr 2019 Paragon Bank Plc Not upheldBanking and creditC Ltd complains that Paragon Bank Plc unfairly and unreasonably declined its mortgage application. It wants an apology.backgroundC Ltd, a property company, applied for a mortgage from Paragon through a broker. Paragon refused as the individual who owned C Ltd conduc... (2 pages)View decision -
Decision Reference DRN3215190
4 Nov 2015 Plus500UK Ltd Not upheldInvestment and pensionsMr G’s complaint concerns the Contracts for Difference (“CFD”) trading account he holds with Plus500UK Ltd (“Plus500”). He says that Plus500 has treated him unfairly and caused him to suffer a financial loss.backgroundThis complaint was considered by one of our adjudi... (2 pages)View decision -
Decision Reference DRN5585851
21 Jul 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr P complains about payday loans he had with Express Finance (Bromley) Limited (trading as Payday Express) which he says shouldn’t have been given to him because he couldn’t afford the repayments. backgroundIn my provisional decision I set out why I was minded to... (4 pages)View decision -
Decision Reference DRN-2779194
26 Apr 2021 TM Advances Limited UpheldConsumer CreditDRN-2779194 The complaint Mrs H complains about three personal loans provided to her by TM Advances Limited, trading as TM Advances, (“TMA”), which she says were irresponsibly lent. What happened TMA agreed three loans for Mrs H. All the loans have been repaid. Some of the information TMA ... (9 pages)View decision -
Decision Reference DRN5447642
3 Mar 2021 Bank of Scotland Plc UpheldBanking and creditComplaint Mr L has complained that Halifax irresponsibly provided him with an overdraft and a loan in 2017. He says that Halifax ought to have realised he was a gambler and that’s what he would be using the funds advanced for. Background I attach my provisional decision of 16 February 2021... (6 pages)View decision
