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 4808 results
-
Decision Reference DRN-4169691
7 Feb 2024 IG Index Limited Not upheldInvestmentsDRN-4169691 The complaint Mr P complains that IG Index Limited trading as IG allowed him to open a spread-betting account despite him asking it to prevent him from doing so some years before. He says he suffered financial losses as a result. What happened Mr P has had a spread-betting acco... (4 pages)View decision -
Decision Reference DRN-3315546
1 Mar 2022 XTB Limited Not upheldInvestmentsDRN-3315546 The complaint Mr T complains that XTB Limited failed to protect him from incurring significant losses on his trading account. He feels it should have recognised that he’d developed a problem and taken steps to restrict his account. What happened Mr T opened his Contracts for Di... (4 pages)View decision -
Decision Reference DRN0142700
28 Dec 2016 MEM Consumer Finance Limited UpheldBanking and creditMr B complains that MEM Consumer Finance Limited (trading as Payday UK) didn’t carry out proper affordability checks and irresponsibly granted him unaffordable payday loans. He wants the charges and interest refunded and his credit file amended.backgroundPayday UK said ... (2 pages)View decision -
Decision Reference DRN8876754
29 Nov 2017 Glasgow Credit Union Ltd Not upheldBanking and creditComplaintMr G has complained that Glasgow Credit Union Ltd (“GCU”) lent to him irresponsibly.BackgroundMr G took out a loan for £4,000 with GCU in May 2012. The loan was due to be repaid over 36 months and the monthly repayments were £128.10.Mr G already had a small... (2 pages)View decision -
Decision Reference DRN8039843
26 Sep 2018 Instant Cash Loans Limited Not upheldBanking and creditMr A complains that Instant Cash Loans Limited (trading as Payday Express) gave him loans that he couldn’t afford to repay.backgroundMr A was given four loans by Payday Express between April and October 2016. The loans were each repayable in instalments, loan 1 over ... (2 pages)View decision -
Decision Reference DRN-2858506
25 Jun 2021 Lloyds Bank PLC UpheldBanking and PaymentsDRN-2858506 Complaint Mr G has complained that Lloyds Bank PLC (“Lloyds”) unfairly continued applying charges to his overdraft when he was in difficulty and shouldn’t have even been provided with the facility in the first place. Background One of our adjudicators looked at this complaint ... (2 pages)View decision -
Decision Reference DRN-3687513
8 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3687513 The complaint Ms B complains that NewDay Ltd lent to her irresponsibly. What happened In November 2016, Ms B applied to NewDay for a retailer branded credit card. NewDay approved Ms B’s application and agreed a credit limit of £1,000. In or around August 2017, NewDay increased ... (5 pages)View decision -
Decision Reference DRN-5119291
20 Nov 2024 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-5119291 The complaint Mr R complains that Tesco Personal Finance PLC trading as Tesco Bank (referred to in this decision as “Tesco Bank”) lent to him irresponsibly. He complains Tesco Bank didn’t do enough to check the lending would be affordable for him. What happened Tesco bank pr... (6 pages)View decision -
Decision Reference DRN9260897
28 Jun 2019 PDL Finance Limited UpheldBanking and creditMiss G complains that PDL Finance Limited, trading as Mr Lender, lent to her irresponsibly.backgroundI attach my provisional decision dated 20 June 2019, which forms part of this final decision and should be read in conjunction with it. In my provisional decision I ex... (5 pages)View decision -
Decision Reference DRN-4777006
5 Jun 2024 Metro Bank PLC Not upheldBanking and PaymentsDRN-4777006 The complaint Mr S has complained Metro Bank PLC won’t refund money for 12 transactions authorised in error. What happened In May 2023 Mr S was using his account with a gambling company (who I’ll call P). He believed his transactions weren’t being authorised so kept making addi... (2 pages)View decision
