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-2607146
11 Mar 2021 Lloyds Bank PLC Not upheldInvestmentsDRN-2607146 The complaint Mr and Mrs D, represented by a claims management company (CMC), complain that they were mis-sold a Guaranteed Stock Market Bond (GSMB) by Lloyds Bank PLC. What happened In 1997 Mr and Mrs D were advised to invest £5,000 in the GSMB. It was for a five-year term and... (3 pages)View decision -
Decision Reference DRN-5381091
29 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5381091 The complaint Mr K complains that Vanquis Bank Limited irresponsibly lent to him. Mr K is represented by a solicitor’s firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr K himself. What happe... (2 pages)View decision -
Decision Reference DRN6563170
8 Jul 2016 Loans 2 Go Limited Not upheldBanking and creditMr M complains that it was irresponsible for Loans 2 Go Limited to have lent to him in July 2015. He’s being helped with his complaint by his mother.backgroundMr M took out a £500 loan with Loans 2 Go in July 2014. The outstanding amount was £35.96 in July 2015 whe... (2 pages)View decision -
Decision Reference DRN-4886238
8 Aug 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4886238 The complaint Mr M has complained Zopa Bank Limited lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In 2021 Mr M was told by Zopa that they were closing his credit card account. They also lodged a fraud-related marker on his re... (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 DRN-3499877
2 Sep 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3499877 The complaint Mr B complains about the service he received from HSBC UK Bank Plc when his overdraft was removed. What happened Mr B has an account with HSBC. The account had an overdraft facility, but HSBC removed it. In July 2021 Mr B complained that it had done so. This servi... (2 pages)View decision -
Decision Reference DRN8838540
5 Feb 2016 Cash On Go Limited Not upheldBanking and creditMr G complains that Cash On Go Limited (trading as Peachy.co.uk) lent to him irresponsibly.backgroundMr G took and repaid a number of loans from Peachy during 2012. He says that he was taking loans practically every month during the period, and that they were all unaf... (2 pages)View decision
