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 DRN3172787
17 Apr 2019 FXPRO UK Limited Not upheldInvestment and pensionsMr M complains that FXPRO UK Limited’s systems didn’t adequately protect his Contracts for Differences (CFD) trading account from unauthorised access. backgroundMr M had a CFD trading account with FXPRO. He has explained that by April 2017 he had built up a balance o... (2 pages)View decision -
Decision Reference DRN-2870114
22 Sep 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2870114 The complaint Mr B complains Bank of Scotland plc, trading as Lloyds Bank, will not refund some disputed transactions. What happened Mr B complained to Lloyds about some transactions on his account made to an online betting company – W. The payments were made over a 6-day peri... (3 pages)View decision -
Decision Reference DRN-3066949
16 Dec 2021 Oakbrook Finance Limited Not upheldConsumer CreditDRN-3066949 The complaint Mr C says OAKBROOK FINANCE LIMITED trading as Likely Loans irresponsibly lent to him. What happened In July 2017 Mr C applied to Oakbrook for a loan. He borrowed £1,800 repayable by 24 monthly instalments of £124.40. The APR was 69.94%. The loan was repaid in full... (3 pages)View decision -
Decision Reference DRN-3374869
16 Mar 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3374869 The complaint Mr H, through a representative, says Loans 2 Go Limited lent to him irresponsibly. What happened Mr H took out two instalment loans from Loans 2 Go. A summary of his borrowing follows. Mr H says the lender failed to carry out an effective affordability assessment ... (3 pages)View decision -
Decision Reference DRN-2051800
11 Aug 2020 Western Circle Ltd UpheldConsumer CreditDRN-2051800The complaintMs T says Western Circle Ltd (trading as Cashfloat) irresponsibly lent to her.What happenedThis complaint is about five instalment loans Cashfloat provided to Ms T between December 2018 and February 2020. Ms T’s borrowing history is as follows: Loan number Principal... (3 pages)View decision -
Decision Reference DRN-1299018
10 Jul 2020 Valour Finance Limited UpheldConsumer CreditDRN-1299018 The complaintMiss H complains that the three loans she was approved for by Valour Finance Limited (Valour) were lent irresponsibly. What happenedUsing information from Valour a brief loan table is here. Loans 1 and 2 were instalment loans for 12 months and Loan 2 was for 18 mo... (3 pages)View decision -
Decision Reference DRN1794243
10 May 2019 Stagemount Limited UpheldBanking and creditMr G says Stagemount Limited (trading as Quid Market) irresponsibly lent to him and then didn’t treat him positively and sympathetically when he was unable to repay his loan.backgroundThis complaint is about a payday loan Quid Market provided to Mr G on 25 March ... (3 pages)View decision -
Decision Reference DRN8899127
31 Jan 2019 Uncle Buck Finance LLP UpheldBanking and creditMr T complains that Uncle Buck Finance LLP (Uncle Buck) didn’t carry out proper affordability checks and shouldn’t have agreed to lend him 5 loans as he couldn’t pay them back.backgroundMr T took out 5 loans between July 2017 and November 2017. A summary of his borr... (3 pages)View decision -
Decision Reference DRN6870493
5 Jun 2019 Casheuronet UK LLC UpheldBanking and creditMr M complains that CashEuroNet UK LLC (trading as QuickQuid) lent to him irresponsibly.backgroundMr M took out a total of nine loans with QuickQuid between September 2014 and January 2017. Loan numberBorrowing dateRepayment dateLoan amount 125.09.1417.10.14£100220.10.1414.... (3 pages)View decision -
Decision Reference DRN6819788
13 Oct 2017 Nextcredit Limited UpheldBanking and creditMr S complains that Nextcredit Limited gave him loans that he couldn’t afford to pay back.backgroundMr S took out 9 loans with Nextcredit between December 2014 and March 2015.loan date taken amountdeferrals/top ups date repaid15 December 2014£10011 December 2014214 Decembe... (3 pages)View decision
