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
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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 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 DRN7720289
24 Jan 2018 Stagemount Limited Not upheldBanking and creditMr D complains that Stagemount Limited (trading as Quid Market) lent money to him that he could not afford to repay.backgroundMr D took out a loan with Quid Market in August 2017. The loan was for £500 repayable over 4 months with monthly repayments of around £208. ... (2 pages)View decision -
Decision Reference DRN-5056677
4 Oct 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-5056677 The complaint Mr L complains that National Westminster Bank Plc has declined to refund payments he says he didn’t make or allow anyone else to make. Mr L is also unhappy with the level of customer service that he’s received and says he’s been discriminated against. What happ... (4 pages)View decision -
Decision Reference DRN1979041
1 Mar 2019 Casheuronet UK LLC UpheldBanking and creditMr F says CashEuroNet UK LLC, trading as QuickQuid, lent to him irresponsibly.backgroundMr F had five loans with QuickQuid. I’ve set out some of the information QuickQuid provided about the loans in the table below.Loan no.AmountStart dateEnd date Payment schedule1£2001... (5 pages)View decision -
Decision Reference DRN-4601302
6 Feb 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4601302 The complaint Mr B, through a representative, says Barclays Bank UK PLC, trading as Barclaycard, irresponsibly lent to him. What happened Barclaycard provided Mr B with a credit card with a limit of £1,000 in August 2010. The limit was then changed (up and down) over the subseq... (3 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 DRN-3381789
19 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3381789 The complaint Mr P is unhappy that NewDay Ltd, trading as Aqua, approved him for increasing amounts of credit, all of which he feels were unaffordable for him at those times. What happened Mr P had a NewDay credit account with a credit limit of £600. In August 2016, NewDay incr... (7 pages)View decision -
Decision Reference DRN-3549777
17 Jun 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3549777 The complaint Mr and Mrs E complain that HSBC UK Bank Plc won’t refund money they lost to a binary options investment scam. As most of the correspondence is from Mr E, I’ll treat all submissions as having come from him in this decision. What happened Around November 2017, Mr E,... (7 pages)View decision
