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 5478 results
-
Decision Reference DRN-5743762
19 Dec 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5743762 The complaint Mr D complains that HSBC UK Bank Plc declined to reimburse him £7,500 which he says he lost as a result of a scam. What happened The circumstances of this complaint are well known to both parties, so I will not go into every detail of what happened here. But, i... (5 pages)View decision -
Decision Reference DRN-5798634
4 Sep 2025 Loans 2 Go Limited UpheldConsumer CreditDRN-5798634 The complaint Miss N complains that Loans 2 Go Limited acted irresponsibly as the loans she took out were unaffordable. What happened Loan 1 Miss N took out a loan with Loans 2 Go for £1,000 on 1 November 2022. The total amount to be repaid was £3,700.08 through 18 instalme... (6 pages)View decision -
Decision Reference DRN-4519988
5 Jan 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4519988 Complaint Mr G complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said he was the monthly payments for the agreement weren’t affordable and so he shouldn’t have been accepted for it. Background In June 2021,... (3 pages)View decision -
Decision Reference DRN0153016
27 Nov 2017 Lending Stream Llc UpheldBanking and creditMr G complains about the payday loans Lending Stream LLC lent to him. He says the necessary checks weren’t carried out before lending to him and that the loans were unaffordable.backgroundI issued a provisional decision on 2 November 2017 where I set out the backgro... (7 pages)View decision -
Decision Reference DRN2812122
15 Jan 2018 Express Finance (Bromley) Limited UpheldBanking and creditMrs G complains that Express Finance (Bromley) Limited (trading as Payday Express) gave her loans she couldn’t afford to repay. She asks that it refunds interest and charges.backgroundMrs G took out loans with Payday Express between May 2012 and January 2013. She says ... (3 pages)View decision -
Decision Reference DRN2275987
8 Sep 2017 Lending Stream Llc UpheldBanking and creditMr L complains that Lending Stream LLC (Lending Stream) didn’t carry out proper affordability checks and shouldn’t have agreed to lend him the instalment loans as he couldn’t pay them back.backgroundMr L took out 12 instalment loans consecutively between January 2015 and De... (3 pages)View decision -
Decision Reference DRN8584447
14 Oct 2016 WDFC UK Limited UpheldBanking and creditMr A has complained WDFC UK Limited, trading as Wonga.com, didn’t check properly whether he could afford the loans he took out with them.backgroundIn August 2013 Mr A took out a loan for £200 with Wonga. Within a couple of weeks, he topped up this loan by £25. O... (3 pages)View decision -
Decision Reference DRN3171350
24 Jul 2017 Nationwide Building Society Not upheldBanking and creditMr N complains that Nationwide Building Society will not refund some disputed transactions.backgroundMr N complained to Nationwide about some payments made to an online gambling website - S. There were a number of payments made, totalling £20400, which Mr N says he ... (1 page)View decision -
Decision Reference DRN-4633523
20 Feb 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4633523 The complaint Miss M is complaining about Moneybarn No.1 Limited (Moneybarn). She says they were irresponsible in lending to her as the loan was unaffordable. What happened In July 2019, Miss M took out a conditional sale agreement with Moneybarn to finance the purchase of a c... (4 pages)View decision -
Decision Reference DRN-3664619
24 Nov 2022 Gain Credit LLC UpheldConsumer CreditDRN-3664619 The complaint Mr V says Gain Credit LLC (trading as Drafty) gave him a line of credit he couldn’t afford to repay. Mr V went on to say that Drafty didn’t carry out appropriate affordability checks and therefore failed to identify he was stuck in a cycle of borrowing. What happ... (7 pages)View decision