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 5478 results
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Decision Reference DRN8257198
12 Dec 2018 Quidie Limited UpheldBanking and creditMr M says Quidie Limited lent to him irresponsibly.backgroundI sent Mr M and Quidie my provisional decision on 21 November 2018. A copy of it is attached and it forms part of this final decision. The full background to the complaint is set out in my provisional decisi... (5 pages)View decision -
Decision Reference DRN8327438
24 Aug 2018 MEM Consumer Finance Limited Not upheldBanking and creditMr S complains about two payday loans he took out with MEM Consumer Finance Limited,trading as Payday UK, (“MEM”). He said that MEM shouldn’t have given him the loans asthey were unaffordable.backgroundMr S took out two payday loans with MEM as follows:-Loan numberDate... (4 pages)View decision -
Decision Reference DRN6100526
21 Nov 2014 W H Ireland Limited Not upheldInvestment and pensionsMr and Mrs C’s complaint concerns investment advice they received from W H Ireland Limited (‘WHI’). They say: WHI did not establish their attitude to risk, or carry out any review of their investment needs. They were inexperienced investors and the share purchases WHI made on their be... (9 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 -
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 DRN8069413
13 Jul 2017 Lending Stream Llc UpheldBanking and creditMr K complains that Lending Stream LLC shouldn’t have given him instalment loans because of his bad credit history. He wants a refund of the interest he paid. backgroundMr K had 37 instalment loans from Lending Stream between May 2013 and October 2016. He said he was... (2 pages)View decision -
Decision Reference DRN7932066
1 Nov 2016 Cfo Lending Limited UpheldBanking and creditMrs K complains that CFO Lending Limited lent payday loans to her irresponsibly and this trapped her in a spiral of debt. She wants a refund of the interest and charges she paid on her loans, with interest.backgroundMrs K took out four loans from CFO Lending with... (2 pages)View decision -
Decision Reference DRN7012152
5 May 2017 Lending Stream Llc UpheldBanking and creditMiss H complains Lending Stream LLC lent her money she couldn’t afford to repay.backgroundMiss H took out two instalment loans with Lending Stream:date takenamountinstalmentshighest monthly paymentDate repaid11 March 2012£1005£63.2520 April 20125 May 2012£7656£382.5028 June ... (3 pages)View decision -
Decision Reference DRN8186418
8 Oct 2018 MYJAR Limited Not upheldBanking and creditMr H says MYJAR Limited lent to him irresponsibly.backgroundMYJAR provided Mr H with two instalment loans in 2016: Loan 1 for £550, repayable in six instalments of around £173. The loan was approved on 15 November and repaid early on 8 December. Loan 2 for £2,225, re... (2 pages)View decision -
Decision Reference DRN2697139
13 Oct 2017 Lending Stream Llc UpheldBanking and creditMr P complains that Lending Stream LLC gave him unaffordable instalment loans. He wants compensation and for his credit file to be amended.backgroundMr P had six loans from Lending Stream between October 2012 and March 2013. He said Lending Stream hadn’t carried out suff... (2 pages)View decision