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 DRN5422556
21 Nov 2019 Uncle Buck Finance LLP UpheldBanking and creditMr W says Uncle Buck Finance LLP (Uncle Buck) irresponsibly lent to him. Mr W says he had a gambling addiction and was in debt when Uncle Buck lent to him and so Uncle Buck shouldn’t have lent to him.backgroundThis complaint is about one instalment loan Uncle Buck lent to Mr W in June 2018... (2 pages)View decision -
Decision Reference DRN-4321884
27 Oct 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4321884 The complaint Mrs P complains that Bank of Scotland plc trading as Halifax (“Halifax”) declined her request to increase the credit limit on her credit card. She also complains about how they explained this decision to her. What happened Mrs P applied to increase the credit limi... (2 pages)View decision -
Decision Reference DRN9576679
8 Aug 2016 Txtloan Limited Not upheldBanking and creditMr G complains that Txtloan Limited (trading as MYJAR) gave him unaffordable payday loans. He wants the balance outstanding waived and all entries removed from his credit file. background Mr G had five payday loans with MYJAR. He said they were unaffordable and he wanted ... (2 pages)View decision -
Decision Reference DRN7375749
30 Aug 2017 Nextcredit Limited UpheldBanking and creditMiss A complains that Nextcredit Limited gave her unsuitable payday loans. She wants a refund of her interest, with interest. backgroundMiss A had five loans from Nextcredit between January and May 2015. She said a check on her credit file would have shown her financ... (2 pages)View decision -
Decision Reference DRN-4975380
25 Jul 2025 Plus500UK Ltd Not upheldInvestmentsDRN-4975380 The complaint Mr D has complained that Plus500UK Ltd (‘Plus500’) didn’t carry out sufficient checks to make sure a Contracts for Difference (‘CFD’) account was right for him. He wants his losses refunded to him. What happened Mr D opened his CFD trading account with Plus500... (4 pages)View decision -
Decision Reference DRN-3179064
24 Nov 2021 Madison CF UK Limited UpheldConsumer CreditDRN-3179064 The complaint Mr E complains that Madison CF UK Limited (trading as 118118 Money) irresponsibly provided him with an unaffordable loan. What happened 118118 Money provided Mr E with a loan as follows: Date loan taken Amount Term Monthly repayment Loan status 15/09/2017 £1,000 2... (4 pages)View decision -
Decision Reference DRN-5431309
28 Mar 2025 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-5431309 The complaint Mr G complains through a representative that Specialist Motor Finance Limited (“SMF”) failed to conduct sufficient checks into his financial position before it lent to him. What happened In September 2019, SMF provided Mr G with a hire purchase agreement for a... (4 pages)View decision -
Decision Reference DRN-2003769
4 Aug 2021 Advancis Limited UpheldConsumer CreditDRN-2003769 The complaint Mr B complains that a loan given to him by Advancis Limited trading as Buddy Loans was unaffordable for him. What happened In April 2019, Mr B applied for – and was given – a loan of £4,250. It was to be repaid in 48 instalments of around £182 per month with a tot... (4 pages)View decision -
Decision Reference DRN-3398887
23 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3398887 The complaint Miss H complains Everyday Lending Limited irresponsibly lent to her when she couldn’t afford the loan(s). What happened In February 2015, Miss H took out a loan with Everyday for £5,195.99 payable over 36 months with a monthly repayment of £276.43. Miss H said the... (4 pages)View decision -
Decision Reference DRN-2750504
13 May 2021 Oplo PL Ltd UpheldConsumer CreditDRN-2750504 The complaint Mr H says he was given loans that he couldn’t afford by 1st Stop Personal Loans Limited (this was a trading name used at the time by a business called Oplo PL Ltd). What happened 1st Stop gave Mr H two loans as follows: Loan Date Taken Date Repaid Instalments Amou... (4 pages)View decision
