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 DRN4526774
25 Feb 2020 HSBC UK Bank Plc Not upheldBanking and creditThis complaint is about two mortgages that Mr and Mrs H took out with HSBC UK Bank Plc; one to purchase their new home, the other to raise capital on a property they already owned as part of the deposit on their new home. They say that delays on the part of HSBC and its chosen solicitor pr... (4 pages)View decision -
Decision Reference DRN-1639341
13 Jul 2020 Western Circle Ltd UpheldConsumer CreditThe complaint Mrs C complains that Western Circle Ltd (trading as Cashfloat) lent to her in an irresponsible manner. What happened Mrs C was given six loans by Cashfloat between January and May 2017. Mrs C explains that she was in financial difficulty and borrowing from other lenders and u... (3 pages)View decision -
Decision Reference DRN7669418
13 Apr 2016 Provident Personal Credit Limited Not upheldBanking and creditMr G complains that Provident Personal Credit Limited, Trading as Satsuma Loans:-didn’t make it clear that the interest on his loan would be paid at the start of the loanand-shouldn’t have given him a loan because he was already in financial difficulties. backgrou... (3 pages)View decision -
Decision Reference DRN-2256145
17 Dec 2020 Oakbrook Finance Limited Not upheldConsumer CreditDRN-2256145 The complaint Mr S has complained that the loan provided by Oakbrook Finance Limited trading as Likely Loans (Likely Loans) was provided irresponsibly. What happened Mr S applied for a loan of £2,500 from Likely Loans on 7 August 2017. The purpose of the loan was debt consolida... (3 pages)View decision -
Decision Reference DRN-5421871
20 Jun 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5421871 The complaint Mr P complains that Moneybarn No. 1 Limited trading as Moneybarn lent to him irresponsibly. What happened On 16 November 2017, Mr P entered into a finance agreement with Moneybarn as shown below, to buy a used van. He repaid the agreement in June 2023. Date A... (3 pages)View decision -
Decision Reference DRN6483714
17 Apr 2020 CMC Spreadbet Plc Not upheldInvestment and pensionsMs M complains that CMC Spreadbet Plc (CMC) unfairly liquidated her positions on SPX 500 (Cash) and US30 (Cash).backgroundMs M had an execution-only relationship with CMC. On 5 December 2018 she had buy bets of £40 per point on SPX 500 and £50 per point on US30.She complained that CMC used... (3 pages)View decision -
Decision Reference DRN0953626
12 Oct 2020 Everyday Lending Limited Not upheldBanking and creditMr O has complained that Everyday Lending Limited trading as Everyday Loans lent to him irresponsibly. background Mr O was given a loan of £2,093 by Everyday Loans in March 2014. This was due to be repaid in 24 monthly instalments of around £190. The total amount payable, including intere... (3 pages)View decision -
Decision Reference DRN-3576830
25 Nov 2022 Bank of Ireland (UK) Plc UpheldConsumer CreditDRN-3576830 The complaint Mr T complains that Bank of Ireland (UK) Plc (“Bank of Ireland”), trading as Post Office Money, shouldn’t have lent to him because it ought reasonably to have realised that he would struggle to make his repayments. What happened Bank of Ireland approved a couple o... (3 pages)View decision -
Decision Reference DRN3985697
12 Jan 2018 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC gave him unaffordable instalment loans and changed the amount it said he owed. He wants a refund of his interest and charges and for his credit file to be amended.backgroundMr H had six loans from Lending Stream between April and... (3 pages)View decision -
Decision Reference DRN2509566
17 Dec 2019 Elevate Credit International Limited UpheldBanking and creditMrs G says Elevate Credit International Limited T/A Sunny (‘Sunny’) irresponsibly lent to her.backgroundThis complaint is about five short term loans Sunny provided to Mrs G between 22 November 2016 to 1 May 2017. Mrs G’s borrowing history is as follows (I have rounded the figures for ease... (3 pages)View decision