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 DRN9113537
26 Oct 2018 PDL Finance Limited UpheldBanking and creditMr A complains that PDL Finance Limited (trading as Mr Lender) gave him unaffordable instalment loans. He wants a refund of the charges he paid with interest.backgroundMr A had four loans from Mr Lender between May 2016 and January 2017. He said he was in financial ... (2 pages)View decision -
Decision Reference DRN-3714857
7 Oct 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3714857 The complaint Mr B says he had multiple accounts with overdraft facilities with HSBC UK Bank Plc (“HSBC”) and that the charges applied have been excessive, unfair and caused him financial difficulties. What happened Mr B held three accounts with HSBC two of which were jointly h... (3 pages)View decision -
Decision Reference DRN-4245352
28 Jul 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4245352 The complaint Mr E has complained that HSBC UK Bank Plc (HSBC) has refused to refund him the money he lost at a result of a scam. Mr E is being represented by a third party. To keep things simple, I will refer to Mr E throughout my decision. What happened The background of this... (3 pages)View decision -
Decision Reference DRN-2959972
25 Jan 2022 Match the Cash Limited UpheldConsumer CreditDRN-2959972 Complaint Mr U has complained that Match the Cash Limited (“Match the Cash”) unfairly brought about an unaffordable guarantor loan for him. He said the loan was unaffordable and this would have been obvious if reasonable checks had been carried out. Background Match the Cash op... (2 pages)View decision -
Decision Reference DRN2651621
19 Oct 2016 Cfo Lending Limited UpheldBanking and creditMr C complains that Cfo Lending Limited (“Cfo”) agreed to give him two loans that he couldn’t afford to repay.backgroundMr C first borrowed from Cfo in June 2013 – the loan was for £240. He rolled that loan over once before repaying it in July 2013. Mr C took his... (2 pages)View decision -
Decision Reference DRN-4606402
8 Feb 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4606402 The complaint Miss M complains that Zopa Bank Limited (“Zopa”) irresponsibly gave her a credit card she couldn’t afford. What happened In April 2023 Miss M applied for and was approved for a Zopa credit card. She was given a credit limit of £1,200 for spending and an additional... (2 pages)View decision -
Decision Reference DRN8839230
7 Dec 2017 Madison CF UK Limited Not upheldBanking and creditMr A complains that Madison CF UK Limited (trading as 118 118 Money) lent him money that he couldn’t afford to pay back. He feels it acted irresponsibly.backgroundMr A took out a loan of £1,000 for 24 months with 118 118 Money in 2015 to repay his existing debts. He a... (2 pages)View decision -
Decision Reference DRN6625623
2 Aug 2016 Forex Capital Markets Limited Not upheldInvestment and pensionsMr E’s complaint is about a trading account he opened with Forex Capital Markets Limited (FXCM) in July 2011.In summary the main points of his complaint are as follows: The extent of the risks involved in forex trading wasn’t made sufficiently clear to him. ... (2 pages)View decision -
Decision Reference DRN-3728521
23 Feb 2023 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3728521 The complaint Mr G has complained that National Westminster Bank Plc failed to clear a cheque in time that he paid into his current account. What happened Mr G went into a Nat West branch at around 11am on 13 June 2022 to pay a cheque in for £5,000 that he had withdrawn from hi... (2 pages)View decision -
Decision Reference DRN7686333
6 Dec 2019 Provident Personal Credit Limited Not upheldBanking and creditMrs R complains that Provident Personal Credit Limited (trading as Satsuma) lent to her irresponsibly.backgroundMrs R took out two loans with Satsuma in October 2016. The first loan was for £700. But Mrs R repaid the first loan in full after a couple of days, and replaced it a few days lat... (2 pages)View decision
