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 4764 results
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Decision Reference DRN3679422
23 Oct 2018 Instant Cash Loans Limited Not upheldBanking and creditMr R complains that Instant Cash Loans Limited (trading as moneyshop.co.uk) was irresponsible to lend to him.backgroundMr R applied for a six-month instalment loan from The Money Shop on 1 February 2017. He borrowed £650 which was to be repaid in six instalments of £... (2 pages)View decision -
Decision Reference DRN-2022694
27 Jul 2020 Western Circle Ltd UpheldConsumer CreditDRN-2022694 The complaintMr G says Western Circle Ltd trading at the time as ‘Cashfloat’ irresponsibly lent to him. What happenedIn June 2020 I issued my provisional decision. In it I explained why I was intending to uphold Mr G’s complaint about loans 6,7 and 8. An extract of my provision... (4 pages)View decision -
Decision Reference DRN1215429
13 Feb 2019 Casheuronet UK LLC UpheldBanking and creditMr W has complained about short-term loans granted to him by CashEuroNet UK LLC trading as Quick Quid (“Quick Quid” or “the lender”). Mr W says Quick Quid was irresponsible to lend to him, that he couldn’t afford the loans and fell behind on his other outgoings in o... (4 pages)View decision -
Decision Reference DRN-4623871
15 Feb 2024 PDL Finance Limited UpheldConsumer CreditDRN-4623871 The complaint Miss L complains PDL Finance Limited trading as Mr Lender (“Mr Lender”) gave her loans without carrying out affordability checks. What happened A summary of Miss L’s borrowing can be found below. loan number loan amount agreement date repayment date number monthly... (4 pages)View decision -
Decision Reference DRN-2725790
3 Apr 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2725790 The complaint Mr B complains about ‘log book’ loans provided to him by Loans 2 Go Limited, (“L2G”) which he says were unaffordable. What happened L2G provided Mr B with ‘log book’ loans. These loans were granted on the basis that Mr B provided L2G with a bill of sale for his c... (4 pages)View decision -
Decision Reference DRN-3761516
15 Feb 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3761516 The complaint Mrs M brings this complaint on behalf of her son Mr M and complains HSBC UK Bank plc (HSBC) failed to apply a spending cap on her son’s bank account. What happened Mrs M says she opened a bank account in branch for her son in early April 2019 and was told at that ... (4 pages)View decision -
Decision Reference DRN-3824350
16 Mar 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3824350 The complaint Mr R complains that HSBC UK Bank Plc hasn’t refunded him after he fell victim to an impersonation scam. What happened Mr R received a message from a number he didn’t have saved on his phone. It began with, ‘Hi mum its me x I have a new phone this is my new number.... (4 pages)View decision -
Decision Reference DRN-2872584
25 Jan 2022 Marks & Spencer Financial Services plc Not upheldBanking and PaymentsDRN-2872584 The complaint Mr L complains that Marks & Spencer Financial Services Plc won’t reimburse money he lost when he fell victim to a scam. What happened Mr L says after completion of an application to obtain bitcoins he was approached by a firm providing financial services. I’ll... (4 pages)View decision -
Decision Reference DRN7655611
23 Apr 2019 Loans 2 Go Limited UpheldBanking and creditMr M complains that Loans 2 Go Limited (“L2G”) irresponsibly gave him a loan he couldn’t afford to pay. backgroundMr M was given a loan of £250 in May 2018. The loan was to be repaid in 18 monthly instalments of £56 and it had an APR of 961%. One of our adjudic... (2 pages)View decision -
Decision Reference DRN2521588
10 Aug 2016 PDL Finance Limited Not upheldBanking and creditMr V complains that PDL Finance Limited trading as Mr Lender (“Mr Lender”) gave him payday loans which were unaffordable and made it hard to pay all his debts. He wants the interest and fees paid on the loans refunded and the loans removed from his credit records.bac... (2 pages)View decision
