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 5443 results
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Decision Reference DRN9167847
8 Apr 2019 Paragon Bank Plc Not upheldBanking and creditC Ltd complains that Paragon Bank Plc unfairly and unreasonably declined its mortgage application. It wants an apology.backgroundC Ltd, a property company, applied for a mortgage from Paragon through a broker. Paragon refused as the individual who owned C Ltd conduc... (2 pages)View decision -
Decision Reference DRN3215190
4 Nov 2015 Plus500UK Ltd Not upheldInvestment and pensionsMr G’s complaint concerns the Contracts for Difference (“CFD”) trading account he holds with Plus500UK Ltd (“Plus500”). He says that Plus500 has treated him unfairly and caused him to suffer a financial loss.backgroundThis complaint was considered by one of our adjudi... (2 pages)View decision -
Decision Reference DRN-3289801
23 Jun 2022 Morses Club PLC Not upheldConsumer CreditDRN-3289801 The complaint Mr O complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted him a loan. Had it done so, Mr O says Morses would’ve seen that he had a large amount of debt and was spending significant sums on gambling. What ha... (4 pages)View decision -
Decision Reference DRN-3997586
10 Mar 2023 Novaloans Ltd Not upheldConsumer CreditDRN-3997586 The complaint Miss B complains Novaloans Ltd trading as cash4unow (Novaloans) gave her loans without carrying out sufficient affordability checks. What happened Miss B was advanced three loans between June 2021 and March 2022. A summary of her borrowing can be found below. loan... (4 pages)View decision -
Decision Reference DRN-2299667
8 Jan 2021 Creative Finance Corp Ltd UpheldConsumer CreditDRN-2299667 The complaint Mrs S complains that Creative Finance Corp Ltd trading as Motorkitty (“Creative”) lent to her in an irresponsible manner. What happened Mrs S was given one loan by Creative. She borrowed £1,000 in December 2018 and agreed to repay the loan in 36 monthly instalment... (4 pages)View decision -
Decision Reference DRN-3204023
24 Feb 2022 Carcashpoint Limited UpheldConsumer CreditDRN-3204023 Complaint Ms B has complained that CarCashPoint Limited (“CCP”) provided her with an unaffordable logbook loan. She’s said that she’d had bad credit all her life and couldn’t afford the payments. Background CCP provided Ms B with a logbook loan for £1,860.00 in February 2019. T... (4 pages)View decision -
Decision Reference DRN-4908600
22 Jul 2024 MBNA Limited Not upheldBanking and PaymentsDRN-4908600 Complaint Mr L has complained about a credit card and subsequent credit limit increases that MBNA Limited (“MBNA”) provided to him. He says his financial situation was not considered adequately and this resulted in him being issued with a credit card and a limit increase wh... (4 pages)View decision -
Decision Reference DRN-5894200
21 Oct 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5894200 The complaint Miss B complains that Clydesdale Bank Plc trading as Virgin Money (Virgin) lent to her irresponsibly. What happened Miss B took out a credit card with Virgin, in June 2016. The credit limit given to Miss B was £6,000 and this hasn’t been increased. Around £5,50... (4 pages)View decision -
Decision Reference DRN-2667313
16 Jul 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2667313 The complaint Mr L complains that Loans 2 Go Limited lent to him in an irresponsible manner. What happened Mr L was given four loans by Loans 2 Go between May 2018 and July 2019. All of his loans have been fully repaid. A summary of his borrowing from Loans 2 Go is as follows; ... (4 pages)View decision -
Decision Reference DRN-5878552
6 Nov 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5878552 The complaint Mr F complains that Lloyds Bank PLC irresponsibly granted him an overdraft, and continued to provide it year on year, which he couldn’t afford to repay. What happened Mr F applied for a bank account with Lloyds in November 2019 and requested an overdraft with ... (4 pages)View decision