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 DRN3382101
9 Dec 2019 Clydesdale Bank Plc Not upheldBanking and creditMrs T complains that Clydesdale Bank Plc suggested she use her personal savings to pay off her ex- husband’s debts.backgroundMrs T’s ex- husband had a number of gambling related debts. Mrs T says she agreed under duress and pressure to speak to Clydesdale about options to repay the debt. B... (2 pages)View decision -
Decision Reference DRN-4002654
2 Aug 2023 Hargreaves Lansdown Asset Management Limited Not upheldInvestmentsDRN-4002654 The complaint Mr A complains that Hargreaves Lansdown Asset Management Limited (“HLAM”) issued misleading rules for a prize draw and that its staff didn’t understand the rules when he queried them. He says HLAM credited his account with £150 “in recognition of poor service” but... (3 pages)View decision -
Decision Reference DRN-5648298
13 Nov 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5648298 The complaint Miss M has complained that HSBC UK Bank Plc caused her distress and inconvenience during its disputed transactions investigation. What happened As all parties are aware of the full complaint details, and they are not in dispute, I will only include a summary he... (2 pages)View decision -
Decision Reference DRN-5479551
9 Jul 2025 Bamboo Limited Not upheldConsumer CreditDRN-5479551 The complaint Mr P says Bamboo Limited irresponsibly lent to him. What happened Mr P took out a loan for £3,000 over 24 months from Bamboo on 27 June 2021. The monthly repayments were £185.19 and the total repayable was £4,444.49. He says Bamboo’s checks were not thorough e... (3 pages)View decision -
Decision Reference DRN0430907
11 Apr 2016 Provident Personal Credit Limited UpheldBanking and creditMr S complains that Provident Personal Credit Limited gave him two loans without carrying out affordability checks. He wants the outstanding balance written off and the default removed.backgroundMr S says the affordability checks were falsified and it is not his signature... (3 pages)View decision -
Decision Reference DRN-4508008
6 Feb 2024 Quidie Limited UpheldConsumer CreditDRN-4508008 The complaint Mr B complains that Quidie Limited trading as Fernovo (Fernovo) gave him loans he couldn't afford to repay putting him further into a debt spiral. What happened I set out the background to this complaint and my initial findings in my provisional decision date... (6 pages)View decision -
Decision Reference DRN-4532069
6 Feb 2024 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-4532069 The complaint Mr T complains that Brent Shine Credit Union Limited (BSCU), irresponsibly lent to him when it provided him with a loan for £2,000. What happened I set out the background to this complaint and my initial findings in my provisional decision dated 28 November 2023 (... (5 pages)View decision -
Decision Reference DRN-4365090
9 Oct 2023 Evergreen Finance London Limited UpheldConsumer CreditDRN-4365090 The complaint Mr S complains Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided him with loans he couldn’t afford to repay. What happened Mr S was granted three loans and I’ve outlined his borrowing history in the table below. loan number loan am... (5 pages)View decision -
Decision Reference DRN-4340309
15 Sep 2023 TSB Bank plc UpheldConsumer CreditDRN-4340309 The complaint Mr C complains that TSB Bank plc irresponsibly agreed a loan for him. What happened TSB agreed a loan of £3,000 for Mr C in February 2021. The total amount owed was £4,105.44 to be repaid at £114.04 a month over 36 months. I understand that Mr C made most of his r... (5 pages)View decision -
Decision Reference DRN-4161676
16 Jun 2023 Sporting Index Limited UpheldInvestmentsDRN-4161676 The complaint Mr D complains that Sporting Index Limited allowed him to open a spread betting account when it was inappropriate for him. What happened Mr D had an account with Sporting Index Limited. He placed a number of fixed odds bets but also incurred losses playing virtual... (4 pages)View decision