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 5204 results
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Decision Reference DRN-5171041
26 Nov 2024 Salad Finance Limited UpheldConsumer CreditDRN-5171041 The complaint Mr R says Salad Finance Limited, trading as Salad Money, irresponsibly lent to him. What happened Mr R took out a loan for £1,000 over 18 months on 23 June 2024. The monthly repayments were £85.39 and the total repayable was £1,536.38. Mr R says the loan was un... (3 pages)View decision -
Decision Reference DRN0421563
24 Nov 2017 Active Securities Limited UpheldBanking and creditMr F complains that Active Securities Limited trading as 247 Moneybox gave him loans that were unaffordable.backgroundThe background to this complaint was set out in my provisional decision that I issued in November 2017. An extract from this is attached and forms part ... (6 pages)View decision -
Decision Reference DRN9510181
5 Dec 2016 Casheuronet UK LLC UpheldBanking and creditMr S complains that CashEuroNet UK LLC (trading as Quick Quid) was irresponsible when it provided loans to him.backgroundSince 2012 Mr S has taken 18 payday loans and a flex credit loan with Quick Quid. Earlier this year he complained to it about the loans. It didn’t ... (6 pages)View decision -
Decision Reference DRN6304210
24 Apr 2017 Casheuronet UK LLC UpheldBanking and creditMrs S has complained about short term loans taken with Casheuronet UK LLC (trading as “Quick Quid”). Mrs S says the loans were unaffordable and caused her to spiral into a web of debt. backgroundMrs S took out five loans between May 2012 and July 2013. Her lending... (3 pages)View decision -
Decision Reference DRN-5735537
12 Sep 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5735537 The complaint Mr H complains HSBC UK Bank Plc lent to him irresponsibly when they approved his application for a credit card, and the subsequent limit increases. What happened Mr H complained HSBC lent to him irresponsibly regarding the lending decisions below for a credit ... (3 pages)View decision -
Decision Reference DRN-5323272
26 Feb 2025 Tesco Personal Finance Limited Not upheldBanking and PaymentsDRN-5323272 The complaint Mr G complains that Tesco Personal Finance Limited trading as Tesco Bank lent irresponsibly when it approved his credit card application. What happened Mr G applied for a Tesco Bank credit card in May 2023. Mr G’s application said he was employed with a monthl... (3 pages)View decision -
Decision Reference DRN6640452
24 Nov 2017 Lending Stream Llc UpheldBanking and creditMr L complains that Lending Stream LLC made short-term loans to him when it shouldn’t have.backgroundIn 2011 and 2012, Lending Stream made 13 instalment loans to Mr L. He repaid the first 10 in full. But he didn’t fully repay loans 11, 12 and 13. Lending Stre... (3 pages)View decision -
Decision Reference DRN-3395571
29 Apr 2022 Revolut Ltd Not upheldBanking and PaymentsDRN-3395571 The complaint Mr K complains that Revolut Ltd (“Revolut”) have failed to refund money he lost as part of a scam. What happened The details of this complaint are well known to both parties, so I will not repeat everything again here. In summary, Mr K paid over £4,000 to a fraudu... (3 pages)View decision -
Decision Reference DRN-4125172
10 Nov 2023 HSBC UK Bank Plc Not upheldInvestmentsDRN-4125172 The complaint Mr and Mrs P complain that they were given unsuitable investment advice by HSBC UK Bank Plc, referred to as “HSBC”. They are being assisted by a claims management company (CMC). In summary, the CMC says that they were advised to invest in high-risk products – name... (4 pages)View decision -
Decision Reference DRN-3071792
11 Oct 2021 UK Credit Limited Not upheldConsumer CreditDRN-3071792 The complaint Mr M says UK Credit Limited lent to him irresponsibly. What happened Mr M took out a guarantor loan from UK Credit in August 2015. It was for £6,000 over 60 months. The monthly repayment was £225.20 and the total repayable was £10,809.60. Mr M says the lender fail... (3 pages)View decision
