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-3654212
10 Oct 2022 Lendable Ltd Not upheldBanking and PaymentsDRN-3654212 The complaint Mrs T says Lendable Ltd irresponsibly lent to her. What happened Mrs T’s complaint is about a credit card supplied by Lendable. The account was opened in February 2022 with an initial credit limit of £200. Mrs T complains that Lendable irresponsibly lent to her. O... (2 pages)View decision -
Decision Reference DRN6422131
4 Feb 2021 Madison CF UK Limited UpheldBanking and creditMr K complains that Madison CF UK Limited trading as 118118 Money (“MCF”) lent to him in an irresponsible manner. background Mr K’s complaint has previously been considered by another ombudsman who issued a provisional decision on the complaint in November 2020. I understand that both Mr K... (3 pages)View decision -
Decision Reference DRN8161872
20 Feb 2020 Loans 2 Go Limited UpheldBanking and creditMr S complains Loans 2 Go Limited irresponsibly lent to him. He says Loans 2 Go didn’t complete reasonable and proportionate checks before deciding to lend to him. Mr S complains had Loans 2 Go done so, it would’ve seen the loan was unaffordable.backgroundLoans 2 Go approved Mr S for a loa... (3 pages)View decision -
Decision Reference DRN0723981
15 Jan 2020 PDL Finance Limited UpheldBanking and creditMr D complains that PDL Finance Limited (trading as Mr Lender) irresponsibly gave him loans he couldn’t afford to pay back.backgroundMr Lender gave Mr D 3 loans between July and December 2017. Mr D says that proportionate checks weren’t carried out before the loans were provided. He says i... (3 pages)View decision -
Decision Reference DRN-4818546
30 Aug 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-4818546 Complaint Miss S complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with her. She’s said the monthly payments to the agreement were unaffordable and so she shouldn’t have been accepted for it. Background In March 2021, S... (3 pages)View decision -
Decision Reference DRN6817288
18 Sep 2018 Uncle Buck Finance LLP UpheldBanking and creditMr S complains that Uncle Buck Finance LLP gave him loans he couldn’t afford to repay.backgroundMr S took out the following loans with Uncle Buck:date£ amount borroweddate repaid119 November 201330028 November 201325 December 201365028 February 2014Mr S says that Uncle Bu... (3 pages)View decision -
Decision Reference DRN-3972333
17 Feb 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3972333 The complaint Mr S complains that HSBC UK Bank Plc (‘HSBC Bank’) irresponsibly gave him a credit card account that he couldn’t afford. What happened On 18 April 2019, Mr S applied for a credit account with HSBC Bank. The initial credit limit was £7,000. In 2022, Mr S complained... (3 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 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 DRN6095705
15 Sep 2017 WDFC UK Limited UpheldBanking and creditMr S complains that WDFC UK Limited (trading as Wonga) lent him money he could not afford to repay. backgroundMr S took out 16 loans with Wonga between September 2012 and March 2014. He says that during this period his loans got larger and he had to take out other l... (3 pages)View decision
