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 5210 results
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Decision Reference DRN6697830
24 Apr 2018 Active Securities Limited UpheldBanking and creditMr R complains that Active Securities Limited (trading as 247Moneybox.com) did inadequate checks before approving his loan applications and the repayments were unaffordable to him.backgroundMr R had 13 loans from 247Moneybox between August 2015 and October 2016 as fol... (3 pages)View decision -
Decision Reference DRN7804803
14 Jan 2020 Western Circle Limited UpheldBanking and creditMr M says Western Circle Limited (trading as Cashfloat) lent to him irresponsibly.backgroundMr M had three loans with Cashfloat. I’ve summarised some of the information Cashfloat provided about the loans in the table below.Loan no.AmountStart dateEnd dateInstalments 1 £50005/04/201725/07/2... (3 pages)View decision -
Decision Reference DRN-3270301
31 Jan 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3270301 Complaint Miss S has complained that HSBC UK Bank Plc (“HSBC”) irresponsibly provided her with an overdraft and a credit card. Background Miss S has also complained about having been provided with a personal loan. But we’ve already explained that we’re looking at that complaint... (3 pages)View decision -
Decision Reference DRN-2929182
21 Jul 2021 Gain Credit LLC Not upheldConsumer CreditDRN-2929182 The complaint Miss A complained that Gain Credit LLC (trading as ‘Lending Stream’) provided her with unaffordable loans. What happened Miss A complained about loans she took out with Lending Stream as follows: loan start date date repaid instalments loan amount highest instalme... (6 pages)View decision -
Decision Reference DRN-3414870
11 Apr 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3414870 The complaint Ms H complains that HSBC UK Bank Plc (“HSBC”) didn’t help recover the money she lost to an investment scam. What happened In November 2017, Ms H came across Greenfields Capital on the internet when she was looking to invest money. She registered her interest and ... (6 pages)View decision -
Decision Reference DRN-2440003
17 Dec 2020 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-2440003 The complaint Mr Y believes AvantCredit of UK, LLC acted irresponsibly by agreeing a loan he’d applied for. What happened In March 2016 Mr Y took out a £2,000 loan with Avantcredit, to be repaid over 12 months with repayments of £211.90 a month. This loan was repaid in June 20... (3 pages)View decision -
Decision Reference DRN0144389
1 May 2019 Cash On Go Limited Not upheldBanking and creditMr B complains that Cash on Go Limited trading as Peachy.co.uk was irresponsible to lend to him.Mr B wants Peachy to pay him compensation and amend his credit file.backgroundMr B took out five loans with Peachy:No.Date of loanAmount borrowedInstalmentsMaximum monthly ... (4 pages)View decision -
Decision Reference DRN-5270295
11 Jul 2025 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-5270295 The complaint Mr L complains about the way in which The Co-operative Bank Plc handled a chargeback claim in respect of payments made to an online bookmaker. What happened Mr L had an account with an online bookmaker, which I’ll call “B”. In March and April 2024 he made nine ... (3 pages)View decision -
Decision Reference DRN-4536638
3 Jan 2024 Chetwood Financial Limited Not upheldConsumer CreditDRN-4536638 The complaint Mr B complains that Chetwood Financial Limited trading as Live Lend (‘Live Lend’) irresponsibly gave him two loans that he couldn’t afford. What happened On 21 May 2019, Mr B asked for and was given a loan for £1,000 which had a term of 12 months and a monthly rep... (3 pages)View decision -
Decision Reference DRN-3272765
8 Feb 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3272765 Complaint Mr K has complained that HSBC Bank Plc (trading as “First Direct”) unfairly continued applying charges to his overdraft when he was in financial difficulty. Background One of our adjudicators looked at this complaint and thought First Direct should have realised that ... (2 pages)View decision
