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 DRN-2339534
29 Dec 2020 Loans 2 Go Limited UpheldConsumer CreditDRN-2339534 The complaint Mr A has complained that Loans 2 Go Limited lent to him irresponsibly. He’s also complained about the level of interest that was charged on his loans. What happened Mr A was given five loans by Loans2Go between in June 2015 and June 2019. I understand the first fo... (5 pages)View decision -
Decision Reference DRN-5387330
7 Apr 2025 Loans 2 Go Limited UpheldConsumer CreditDRN-5387330 The complaint Mr D complains that Loans 2 Go Limited was irresponsible to lend to him on three occasions. What happened Loans 2 Go agreed three loans for Mr D from June 22 to September 2024. I’ve summarised some of the information it provided about these loans in the table... (4 pages)View decision -
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-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-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 DRN6239489
3 Oct 2013 Nationwide Building Society UpheldInvestment and pensionsMiss A complains about advice received in 2012 from Nationwide Building Society to invest a substantial amount in investments she says were too risky for her. She says that the adviser assured her that the recommended investments posed no risk to her capital.backgroundI issued my pro... (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
