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-3388217
19 Apr 2022 Lendable Ltd Not upheldConsumer CreditDRN-3388217 The complaint Mr L complains that Lendable Ltd (trading as “Lendable”) lent to him in an irresponsible manner. What happened Mr L was given a loan by Lendable in August 2021. He borrowed £1625 and agreed to repay this over 36 months. Mr L had an amount outstanding to repay on t... (3 pages)View decision -
Decision Reference DRN-3516526
8 Jun 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3516526 The complaint Mr J has complained through a representative that Madison CF UK Limited trading as 118 118 Money (118 118) mis-sold him loans he couldn’t afford to repay. Mr J says that he was taking out new loans in order to cover repayments to other loans that he had. What happ... (6 pages)View decision -
Decision Reference DRN-4537245
4 Jan 2024 Evergreen Finance London Limited UpheldConsumer CreditDRN-4537245 The complaint Mr C complained through a representative that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) failed to take reasonable steps to ensure the loans it lent him were affordable. What happened A summary of Mr C’s borrowing can be found below.... (5 pages)View decision -
Decision Reference DRN-4731318
13 Nov 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4731318 Complaint Mrs D has complained that Santander did not reimburse her after she reported losing money in what she now believes to be a scam. Background In 2019, Mrs D was persuaded to invest in bonds issued by a company I’ll refer to as “B.” The company marketed these bonds ... (3 pages)View decision -
Decision Reference DRN4092702
29 Mar 2018 Provident Personal Credit Limited UpheldBanking and creditMr B complains that Provident Personal Credit Limited (trading as Satsuma) gave him loans that he couldn’t afford to repay.background Mr B was given two loans by Satsuma in 2017. He borrowed £500 in May 2017 that he agreed to pay back over the following six months. ... (3 pages)View decision -
Decision Reference DRN-4454645
21 Nov 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-4454645 Complaint Miss W has complained about a loan Loans 2 Go Limited (“L2G”) provided to her. She says the loan was unaffordable as she had serious gambling issues and if L2G had carried out proportionate checks it would have seen this. Background L2G provided Miss W with a loan for... (3 pages)View decision -
Decision Reference DRN9258753
16 Jan 2020 HSBC UK Bank Plc UpheldBanking and creditMr I complains that HSBC UK Bank Plc granted his applications for personal loans which were not affordable.backgroundMr I says he applied for loans from HSBC when he was suffering from depression and was gambling heavily. He says he wasn’t working at the time but told the bank he was in em... (3 pages)View decision -
Decision Reference DRN-4328614
26 Oct 2023 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4328614 The complaint Miss S complains that Clydesdale Bank Plc trading as Virgin Money was irresponsible in its lending to her. What happened Miss S was provided with a credit card with a credit limit of £6,700, by Virgin Money in August 2022. She says the lending was unaffordable and... (3 pages)View decision -
Decision Reference DRN-3237628
4 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3237628 The complaint Mr S complains that Everyday Lending Limited (trading as “Trust Two”) lent him a loan he couldn’t afford. What happened Mr S took out another loan on .. ..... 2019 with Everyday Lending Limited, but this is being looked at under reference number ............ I am ... (3 pages)View decision -
Decision Reference DRN-2058804
6 Oct 2020 IG Markets Limited Not upheldInvestmentsDRN-2058804 The complaint Mr P opened a trading account with IG Markets Limited (‘IG’) in 2006; he refers to his cryptocurrency (‘crypto’) based Contracts for Differences (‘CFD’) trading between 2018 and 2019 in which he says he made losses of over £500,000 (including charges of over £90,0... (5 pages)View decision
