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 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 DRN0265835
31 Mar 2014 HSBC Bank plc Not upheldBanking and creditMr F complains that HSBC Bank Plc has refused to refund disputed transactions on his bank account. Mr F says he is the victim of fraud and wants HSBC to refund the money.backgroundWhile Mr F was abroad he transferred £20,000 from the credit balance of his account with an on-line gaming ... (3 pages)View decision -
Decision Reference DRN6673359
11 Mar 2019 Casheuronet UK LLC UpheldBanking and creditMr M has complained about short-term loans granted to him by CashEuroNet UK LLC trading as Quick Quid (“Quick Quid” or “the lender”).backgroundI set out the circumstances leading to this complaint and my initial conclusions in a provisional decision to both parties ... (8 pages)View decision -
Decision Reference DRN6657591
4 Oct 2018 Active Securities Limited UpheldBanking and creditMiss F says that the loans she applied for were approved by Active Securities Limited, trading as 247Moneybox.com (“Moneybox”) without it doing proper affordability checks. It didn’t properly assess Miss F’s signs of indebtedness and lent her money she couldn’t afford t... (3 pages)View decision -
Decision Reference DRN-2631321
13 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2631321 The complaint Ms T complains that NewDay Ltd – trading as Aqua – were irresponsible in approving a credit card for her because she thinks it was unaffordable, and she says she was vulnerable due to her poor mental health at the time. When I refer to what Ms T has said, and Aqua... (7 pages)View decision -
Decision Reference DRN-3955093
28 Jun 2023 My Finance Club Limited Not upheldConsumer CreditDRN-3955093 The complaint Mr S complains that My Finance Club lent to him when it should not have done. He complains that the most basic of checks by My Finance Club would have shown the state of his finances and led it not to have lent to him. What happened On 31 May 2022 Mr S was approve... (3 pages)View decision -
Decision Reference DRN9552049
4 Jul 2014 Kleinwort Benson Bank Ltd Not upheldInvestment and pensionsMr A had a discretionary management arrangement with Kleinwort Benson Bank Ltd. Mr A’s complaint is that Kleinwort Benson converted his investments – both pension and non- pension - to ‘cash’ holdings without his consent and without informing him before doing so. He considers that Kleinw... (7 pages)View decision -
Decision Reference DRN-2733623
1 Apr 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2733623 The complaint Miss W complains that three personal loans provided to her by Loans 2 Go Limited, trading as Loans 2 Go, (“L2G”), were unaffordable. What happened Miss W was given three loans by L2G from December 2019 to February 2020. The loans have been repaid. A summary of Mi... (9 pages)View decision -
Decision Reference DRN-2586619
12 Feb 2021 Gain Credit LLC UpheldConsumer CreditDRN-2586619 The complaint Mr J complains about eleven loans that he took out with Gain Credit LLC, trading as Lending Stream, (“LS”), which he said were unaffordable. He also complains that LS didn’t respond to his request for help with his financial difficulties. What happened Mr J was gi... (9 pages)View decision -
Decision Reference DRN7184249
20 Sep 2017 Lending Stream Llc UpheldBanking and creditMr M complains that Lending Stream LLC gave him unaffordable instalment loans. He wants his position restored.backgroundMr M had eight instalment loans from Lending Stream between August 2013 and August 2014. He said he was in financial difficulties at the time, borrowin... (2 pages)View decision