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 DRN-2795418
4 May 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2795418 The complaint Mr D says Loans2Go Limited gave him loans that were unaffordable at extremely high interest rates. What happened Mr D took out seven loans from Loans2Go between December 2015 and July 2019. A summary of his borrowing follows. *top up of loan 2 Mr D says Loans2Go d... (3 pages)View decision -
Decision Reference DRN-5772855
16 Oct 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5772855 The complaint Mr R complains NewDay Ltd irresponsibly provided him with a credit card. What happened NewDay provided Mr R with a credit card under its Marbles brand in April 2024. The original limit provided was for £1,200 which was increased to £1,700 in July 2024. Mr R co... (5 pages)View decision -
Decision Reference DRN5149788
7 Jun 2018 Gain Credit LLC UpheldBanking and creditMr M complains Gain Credit LLC (trading as Lending Stream) lent to him irresponsibly.backgroundThe background to this complaint, and my initial findings on it, can be found in my provisional decision, which is attached to and forms a part of this final decision.Lend... (6 pages)View decision -
Decision Reference DRN8144413
15 Apr 2019 Casheuronet UK LLC UpheldBanking and creditMr D has complained about short-term loans granted to him by CashEuroNet UK LLC trading as “QuickQuid”. Mr D says he couldn’t afford these loans and that QuickQuid didn’t take appropriate steps to check whether he could afford them when he took them out. backgroundQuickQ... (4 pages)View decision -
Decision Reference DRN2990032
14 Aug 2019 UK Credit Limited UpheldBanking and creditMr B and Miss V have complained that UK Credit Limited (“UK Credit”) irresponsibly provided Mr B with an unaffordable guarantor loan. They say that Mr B shouldn’t have been given the loan as he was already in the midst of increasing debt, bank charges, payday loans, late payments, defaults... (12 pages)View decision -
Decision Reference DRN7927111
29 Jan 2019 TenetConnect Services Limited UpheldInvestment and pensionsMs S has complained about advice she received from Mr A, a financial adviser with Dhanda Financial, an appointed representative of TenetConnect Services Limited. Ms S was the victim of a fraud perpetrated by Mr A, and she holds Tenet responsible.background Ms S had been... (7 pages)View decision -
Decision Reference DRN-3026119
29 Mar 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3026119 The complaint Ms C complains that HSBC UK Bank Plc won’t reimburse money she lost when she says she fell victim to a binary options investment scam. What happened Around October 2018, Ms C received a cold call from a representative of Market Trading. The representative explain... (10 pages)View decision -
Decision Reference DRN-3025999
20 May 2022 Marks & Spencer Financial Services plc UpheldBanking and PaymentsDRN-3025999 The complaint Mrs S complains that Marks & Spencer Financial Services plc refuses to refund payments she made to a binary options investment scammer. What happened Mrs S was contacted by a Senior Account Manager (‘Shaun’) from a company I’ll call ‘E’, who persuaded her to i... (10 pages)View decision -
Decision Reference DRN8511675
18 Aug 2017 WDFC UK Limited UpheldBanking and creditMr M has complained about a number of payday loans he took out with WDFC UK Limited (trading as Wonga.com) between March 2012 and April 2016. He’s said that Wonga should’ve realised from the pattern of increasing loan amounts and rollover payments that his debt probl... (7 pages)View decision -
Decision Reference DRN1209763
15 Aug 2017 Active Securities Limited UpheldBanking and creditMr G complains that Active Securities Limited (trading as 247 Moneybox) made short-term loans to him when it shouldn’t have.backgroundFrom May 2011 to May 2012, 247 Moneybox made twelve loans to Mr G. He repaid them. But 247 Moneybox made a thirteenth loan which he... (3 pages)View decision
