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 DRN1128785
25 Mar 2020 Retail Money Market Ltd Not upheldBanking and creditMr S’s complaint against Retail Money Market LTD, trading as Ratesetter (Ratesetter), is that it refuses to remove a CIFAS marker it placed against him. backgroundIn November 2018, Mr S applied for a loan with Ratesetter. In doing so, he inflated his income, and submitted falsified bank st... (3 pages)View decision -
Decision Reference DRN-3134895
15 Dec 2021 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3134895 The complaint and background Mr and Mrs M complain about their bank, HSBC UK Bank Plc. They say the bank failed to protect them from financial harm caused by a cryptocurrency scammer Xtraderfx. As Mr M had all the dealings with HSBC UK Bank Plc, for ease of reading, I’ll refer ... (10 pages)View decision -
Decision Reference DRN2127192
7 Aug 2018 Instant Cash Loans Limited UpheldBanking and creditMs C complains about four instalment loans she took out with Instant Cash Loans Limited,trading as Payday UK, (“ICL”). She said that ICL shouldn’t have given her the loans as theywere unaffordable.backgroundMs C took out four instalment loans with ICL as follows:Loan nu... (5 pages)View decision -
Decision Reference DRN-3386857
21 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3386857 The complaint Mr A complains that NewDay Ltd (“NewDay”) has refused to refund payments he made to XMarkets using his NewDay (Debenhams) Mastercard credit card. Mr A says that XMarkets were operating a scam and stole his money. What happened The circumstances of this complaint ... (6 pages)View decision -
Decision Reference DRN5149399
22 May 2015 Nationwide Building Society UpheldBanking and creditMr S complains that Nationwide Building Society keeps declining frequent, regular payments to an online funded electronic wallet. This has caused him distress and inconvenience.backgroundMr S has an account with the building society. He gambles regularly, using an online... (2 pages)View decision -
Decision Reference DRN-4172584
11 Aug 2023 Lendable Ltd UpheldConsumer CreditDRN-4172584 The complaint Mr M complains that Lendable Ltd lent to him irresponsibly six times over three years from 2019. What happened Using information from Lendable’s records, here is a loan table of the approved loans: Loan Date taken Amount Term Monthly repayment Capital paid Mr M Da... (7 pages)View decision -
Decision Reference DRN-2854097
21 Jun 2021 HSBC UK Bank Plc Not upheldInvestmentsDRN-2854097 The complaint Mr and Mrs C complain that HSBC UK Bank Plc advised them to invest too much money in an unsuitable investment bond, particularly given their planned expenditure. What happened When Mr and Mrs C met HSBC’s advisor they had just sold their business for around £1.2 m... (2 pages)View decision -
Decision Reference DRN8992246
13 Nov 2019 MYJAR Limited UpheldBanking and creditMr C complains that MYJAR Limited lent to him in an irresponsible manner.backgroundMr C was given five loans by MYJAR between June 2016 and September 2017. Loan 1 was repayable in a single instalment. The remaining loans were repayable over either three or six months. Mr C appears to have ... (3 pages)View decision -
Decision Reference DRN7831093
30 Mar 2016 Stagemount Limited UpheldBanking and creditMr H complains that Stagemount Limited trading as Quid Market (Quid Market) lent to him irresponsibly. backgroundBetween October 2013 and July 2014 Mr H took out around ten pay day loans with Quid Market. He said at the time he was struggling financially. He said ha... (3 pages)View decision -
Decision Reference DRN8569880
23 Jun 2017 MEM Consumer Finance Limited UpheldBanking and creditMr H 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 and charges.backgroundMr H took out four loans with Payday UK between April 2011 and November 2011. He says Payday UK did... (3 pages)View decision
