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 DRN6483714
17 Apr 2020 CMC Spreadbet Plc Not upheldInvestment and pensionsMs M complains that CMC Spreadbet Plc (CMC) unfairly liquidated her positions on SPX 500 (Cash) and US30 (Cash).backgroundMs M had an execution-only relationship with CMC. On 5 December 2018 she had buy bets of £40 per point on SPX 500 and £50 per point on US30.She complained that CMC used... (3 pages)View decision -
Decision Reference DRN8188152
7 Jun 2017 Casheuronet UK LLC UpheldBanking and creditMr B has complained about short-term loans granted to him by CashEuroNet UK LLC trading as Quick Quid.backgroundQuick Quid agreed ten short-term loans for Mr B between March 2013 and July 2016. Mr B complained the loans were unaffordable. Quick Quid disagreed, so Mr ... (5 pages)View decision -
Decision Reference DRN7322814
1 Apr 2015 National Westminster Bank Plc Not upheldBanking and creditMr R complains that National Westminster Bank Plc has held him responsible for a number of fraudulent transactions that were carried out using his debit card.backgroundIn November 2014 Mr R advised NatWest that a number of fraudulent transactions totalling £8,000 wer... (2 pages)View decision -
Decision Reference DRN2686283
19 Aug 2013 Barclays Bank Plc Not upheldBanking and creditMr D complains that Barclays Bank Plc will not refund to him a number of cash machine and card transactions which he says he did not make or authorise. backgroundMr D complained to Barclays that he had not made a number of cash machine withdrawals over a period of a few consecutive days... (2 pages)View decision -
Decision Reference DRN-3250767
21 Feb 2022 Principality Building Society Not upheldMortgagesDRN-3250767 The complaint Mr C and Mrs M are unhappy Principality Building Society (“PBS”) declined their mortgage application. What happened Mr C and Mrs M were applying for a mortgage via a broker. The broker obtained an illustration from PBS on 19 October 2020. Based on this illustratio... (3 pages)View decision -
Decision Reference DRN-4723291
12 Apr 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4723291 Complaint Mr B has complained about a loan Oakbrook Finance Limited (trading as “Finio Loans”) provided to him. He says the loan was unaffordable given his circumstances at the time and so shouldn’t have been provided. Background Finio Loans provided Mr B with a loan for £1,000... (3 pages)View decision -
Decision Reference DRN-4409063
29 Nov 2023 Logbook Lending Limited Not upheldConsumer CreditDRN-4409063 The complaint Mr A complains that Logbook Lending Limited (“Logbook Lending”) lent to him irresponsibly. What happened Mr A took out a loan with Logbook Lending in January 2023, secured against his car. The loan was for £500 and was repayable by way of 78 monthly payments of £7... (3 pages)View decision -
Decision Reference DRN-5795637
13 Oct 2025 JAJA FINANCE LTD Not upheldBanking and PaymentsDRN-5795637 Complaint Miss D has complained about a credit card Jaja Finance Ltd (“Jaja”) provided to her. She says the credit card was irresponsibly provided as it was unaffordable for her. Background Jaja provided Miss D with a credit card with a limit of £1,200.00 in August 2024. Th... (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 -
Decision Reference DRN9842855
4 Jul 2018 Gain Credit LLC UpheldBanking and creditMiss W complains that Gain Credit LLC (trading as Lending Stream) gave her loans that she couldn’t afford to pay back.backgroundMiss W took two loans from Lending Stream in 2012. She borrowed £115 in August 2012 to be repaid over five monthly instalments, with a maximum... (3 pages)View decision
