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 5162 results
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Decision Reference DRN9449139
15 May 2017 Casheuronet UK LLC Not upheldBanking and creditMr F complains that CashEuroNet UK LLC (trading as Quick Quid) gave him short-term loans which were unaffordable. background Mr F took 11 loans with Quick Quid over an 18 month period as follows:Loan DateLoan amount (£)Rollover date(s)Repaid date119/04/2012 40027/04/... (5 pages)View decision -
Decision Reference DRN-2902330
30 Jun 2021 Advancis Limited UpheldConsumer CreditDRN-2902330 The complaint Mr B complained that Advancis Limited trading as Buddy Loans lent to him irresponsibly. What happened Mr B took out a loan with Buddy Loans as follows: Loan Date Amount Term Monthly repayment 1 06/06/17 £4,000 48 months £171.10 Mr B brought his complaint to us whe... (5 pages)View decision -
Decision Reference DRN-4710845
27 Mar 2024 Startline Motor Finance Limited Not upheldConsumer CreditDRN-4710845 The complaint Mr D is complaining about Startline Motor Finance Limited’s decision to lend to him – he says the loan was unaffordable. What happened In March 2022, Mr D took out a hire purchase agreement with Startline, via a broker, to finance the purchase of a car. He paid no... (4 pages)View decision -
Decision Reference DRN-4361274
18 Dec 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4361274 The complaint Mr N complains that Bank of Scotland Plc (trading as Halifax) won’t refund the money he lost to an investment scam. Mr N is represented by a third party, but for ease of reading, I’ll refer to all submissions as having come from Mr N alone. What happened In 2015, ... (5 pages)View decision -
Decision Reference DRN-4727579
11 Sep 2024 Tandem Home Loans Ltd UpheldMortgagesDRN-4727579 The complaint Mr C says that a secured (second charge) loan he took out in October 2021 with Tandem Home Loans Ltd (previously known as Oplo HL Ltd) was unaffordable and irresponsibly lent. What happened Mr C bought the property in January 2021 for £105,000, taking a first c... (5 pages)View decision -
Decision Reference DRN-1662745
9 Sep 2020 UK Credit Limited UpheldConsumer CreditDRN-1662745The complaintMr C complains about a guarantor loan provided to him by UK Credit Limited (“UKC”) which he says was unaffordable. What happenedUKC provided Mr C with a loan of £10,000 on 30 October 2017 which was secured by a guarantor. The loan was to be repaid over five years wi... (4 pages)View decision -
Decision Reference DRN5734098
10 Mar 2020 Gain Credit LLC UpheldBanking and creditMiss W complains about four instalment loans that she took out with Gain Credit LLC, trading as Lending Stream, (“LS”). She said, in summary, that LS shouldn’t have given her the loans as they were unaffordable. backgroundThis complaint is about four short term loans LS provided to Miss W... (5 pages)View decision -
Decision Reference DRN2998105
16 May 2017 Casheuronet UK LLC UpheldBanking and creditMr M has complained about three instalment loans given to him by Casheuronet UK LLC (trading as Pounds to Pocket). Mr M took out his first loan in September 2012, his second loan in April 2013 and his final loan in January 2014. Mr M has said the loans were unafford... (5 pages)View decision -
Decision Reference DRN5588229
20 Apr 2016 Aviva Life & Pensions UK Limited Not upheldInvestment and pensionsMr B believes Aviva Life & Pensions UK Limited (Aviva) wrongly advised him to invest £12,000 in a bond in 1999 when he had an outstanding mortgage of £33,000 at the time.backgroundMr B surrendered this bond in 2004, receiving back his initial capital but no invest... (2 pages)View decision -
Decision Reference DRN7010560
7 Mar 2017 National Westminster Bank Plc Not upheldBanking and creditMr D complains that, although National Westminster Bank Plc raised a chargeback claim for a large number of transactions with an online company and credited his account with the amount of money involved, it then re-debited it some months later.backgroundMr D told us he... (2 pages)View decision
