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 DRN5843345
24 May 2017 Smart Currency Options Limited Not upheldInvestment and pensionsMr H, trading as ZH, complains Smart Currency Options Limited (SCOL) failed to explain the risks involved with his foreign exchange option contracts including its margin policy. This resulted in him suffering a large loss. If it had explained this issue clearly, he ... (2 pages)View decision -
Decision Reference DRN8769268
1 Aug 2019 Elevate Credit International Limited UpheldBanking and creditComplaintMs S says Elevate Credit International Limited (trading as Sunny) lent to her irresponsibly.BackgroundThis complaint is about 15 payday loans Sunny provided to Ms S between November 2016 and November 2017. I’ve set out some of the information we’ve received about these loans in th... (4 pages)View decision -
Decision Reference DRN-2278301
12 Jan 2021 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-2278301 The complaint Mr C complains that HSBC UK Bank Plc (“HSBC”) won’t refund a disputed transaction made from his account. What happened In July 2019, Mr C’s HSBC account was debited by £323 which went to an online betting website. Mr C says that he didn’t make this transaction and... (3 pages)View decision -
Decision Reference DRN1692946
3 Oct 2014 Lloyds Bank PLC Not upheldBanking and creditMr H, represented by a family member Mrs G, complains that Lloyds Bank plc allowed him to spend £4,000 on a gambling website even though it knew about his mental health issues.our initial conclusionsThe adjudicator did not uphold this complaint. He said that the bank’s fraud pr... (2 pages)View decision -
Decision Reference DRN2821302
6 Mar 2018 Evergreen Finance London Ltd Not upheldBanking and creditMr W complains that Evergreen Finance London Limited (trading as Moneyboat) gave him loans that he couldn’t afford to repay.backgroundMr W was given three loans by Moneyboat between April 2016 and April 2017. Each of his loans was repayable in six monthly instalments, and... (2 pages)View decision -
Decision Reference DRN0255376
22 Nov 2016 Cashbridge Corporation Ltd UpheldBanking and creditMr A complains that Cashbridge Corporation Ltd (trading as Credio) was irresponsible to lend him money when he already had multiple payday loans with other companies.backgroundMr A says he was using payday loans in order to maintain his mortgage repayments. Credio ag... (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 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-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 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
