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-5640369
7 Jul 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5640369 Complaint Mr H has complained about the overdraft charges Santander UK Plc (“Santander”) applied to his account. Mr H is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr H’s account were unfair as there w... (5 pages)View decision -
Decision Reference DRN-3161520
21 Dec 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3161520 The complaint Mrs S complains she was the victim of an investment scam and that HSBC UK Bank Plc didn’t do enough to recover her money. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the ... (5 pages)View decision -
Decision Reference DRN-3857684
21 Jun 2023 Trading 212 UK Limited Not upheldInvestmentsDRN-3857684 The complaint Miss V complains that Trading 212 UK Limited (T212) mis-sold her contracts for difference’s (CFD’s) and didn’t inform her of the risks associated with this type of trading when she opened her CFD account. Miss V is represented in this complaint, but to keep things... (5 pages)View decision -
Decision Reference DRN-3832933
31 Mar 2023 PayPal (Europe) Sarl et Cie SCA UpheldBanking and PaymentsDRN-3832933 The complaint Mr E complains that PayPal (Europe) Sarl et Cie SCA closed his account and withheld the balance for too long. What happened Mr E had an account with PayPal. In August 2020, a limitation was placed on the account and PayPal carried out a review. Following the revie... (4 pages)View decision -
Decision Reference DRN1491809
29 Sep 2016 MEM Consumer Finance Limited UpheldBanking and creditMr S complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans he couldn’t afford to repay. He asks that it refunds interest, plus 8% interest, and removes the loans from his credit files.backgroundMr S took out three loans with Payday UK betw... (2 pages)View decision -
Decision Reference DRN5001103
13 Jul 2017 Uncle Buck Finance LLP UpheldBanking and creditMr Y complains that Uncle Buck Finance LLP shouldn’t have given him instalment loans because of his previous financial history. He wants a refund of his interest and charges. backgroundMr Y took out seven loans from Uncle Buck between March 2015 and October 2016. He s... (2 pages)View decision -
Decision Reference DRN2730255
6 Jun 2019 Valour Finance Limited Not upheldBanking and creditMr P says Valour Finance Limited, trading as Savvy.co.uk, lent to him irresponsibly.backgroundMr P took out a loan with Valour Finance in January 2017. He borrowed £2,000 and was scheduled to repay it in 18 monthly instalments of about £222. Mr P actually settled the l... (3 pages)View decision -
Decision Reference DRN-3127580
17 Nov 2021 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3127580 The complaint Mr T complains that Moneybarn No. 1 Limited irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In February 2016, Mr T acquired a used car financed by a conditional sale agreement from Moneybarn. Mr T was required to m... (2 pages)View decision -
Decision Reference DRN7317263
23 Sep 2016 Cfo Lending Limited UpheldBanking and creditMr N has complained about short-term loans granted to him by Cfo Lending Limited (“Cfo” or “the lender”).backgroundCfo agreed four short-term loans for Mr N over the period January to March 2013. Mr N says these loans were unaffordable for him and that Cfo would have k... (2 pages)View decision -
Decision Reference DRN8417576
19 Sep 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr S complains that Curo Transatlantic Limited trading as Wage Day Advance (WDA) lent him unsuitable payday loans. He wants a refund of his interest and for his credit file to be amended. backgroundMr S took out eight loans from WDA between May 2013 and January 2017.... (2 pages)View decision
