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 DRN8593272
15 Oct 2018 Emergency Cash Limited UpheldBanking and creditMr T complains that Emergency Cash Limited (trading as Wizzcash.com) gave him unaffordable instalment loans. He wants a refund.backgroundMr T had four loans from Wizzcash.com between August 2017 and December 2017. He said he was gambling at the time and borrowing from a... (2 pages)View decision -
Decision Reference DRN-4473321
20 Feb 2024 Home Retail Group Card Services Limited Not upheldConsumer CreditDRN-4473321 The complaint Mr C complains that Home Retail Group Card Services Limited trading as Argos Financial Services (‘Home Retail Group’) irresponsibly gave him a store card that he couldn’t afford. What happened On 1 June 2016, Mr C’s store card was opened by Home Retail Group with ... (2 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 DRN-4002654
2 Aug 2023 Hargreaves Lansdown Asset Management Limited Not upheldInvestmentsDRN-4002654 The complaint Mr A complains that Hargreaves Lansdown Asset Management Limited (“HLAM”) issued misleading rules for a prize draw and that its staff didn’t understand the rules when he queried them. He says HLAM credited his account with £150 “in recognition of poor service” but... (3 pages)View decision -
Decision Reference DRN3382101
9 Dec 2019 Clydesdale Bank Plc Not upheldBanking and creditMrs T complains that Clydesdale Bank Plc suggested she use her personal savings to pay off her ex- husband’s debts.backgroundMrs T’s ex- husband had a number of gambling related debts. Mrs T says she agreed under duress and pressure to speak to Clydesdale about options to repay the debt. B... (2 pages)View decision -
Decision Reference DRN-5479551
9 Jul 2025 Bamboo Limited Not upheldConsumer CreditDRN-5479551 The complaint Mr P says Bamboo Limited irresponsibly lent to him. What happened Mr P took out a loan for £3,000 over 24 months from Bamboo on 27 June 2021. The monthly repayments were £185.19 and the total repayable was £4,444.49. He says Bamboo’s checks were not thorough e... (3 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 DRN0344861
31 Mar 2019 IG Index Limited Not upheldInvestment and pensionsMr P has a spread betting account with IG Index Limited. He says he has been treated unfairly by IG in a number of ways. His points include: IG should not have allowed him to open a spread betting account. IG’s interests conflict with his – it profits from his ... (12 pages)View decision -
Decision Reference DRN0385655
21 Dec 2017 Casheuronet UK LLC UpheldBanking and creditMr M complains about payday loans he has taken out with CashEuroNet UK LLC (trading as QuickQuid) which he says QuickQuid shouldn’t have given him because the borrowing wasn’t affordable. backgroundThe background to this complaint was set out in my provisional decisi... (5 pages)View decision -
Decision Reference DRN6353485
11 Sep 2017 WDFC UK Limited UpheldBanking and creditMr G complains that WDFC UK Limited (trading as Wonga) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file.backgroundMr G took out 16 loans with Wonga between June ... (2 pages)View decision
