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 5520 results
-
Decision Reference DRN-4922380
20 Aug 2024 Lendable Ltd Not upheldConsumer CreditDRN-4922380 The complaint Miss C complains that Lendable Ltd lent irresponsibly when it approved her loan application. What happened Mss C applied for a debt consolidation loan with Lendable in May 2021 for £20,000 plus interest and fees. In her application, Miss C says she was renting ... (3 pages)View decision -
Decision Reference DRN-3191125
20 Dec 2021 Gain Credit LLC UpheldConsumer CreditDRN-3191125 The complaint Ms J says Gain Credit LLC (trading as ‘Lending Stream’) irresponsibly gave her loans that she couldn’t afford because she was gambling at the time and on a low income. She said her credit file was poor and that Lending Stream provided the loans without doing prope... (6 pages)View decision -
Decision Reference DRN-3304310
15 Feb 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3304310 The complaint Mr M complains that HSBC UK Bank Plc (“HSBC”) has refused to refund payments he made using his HSBC Visa debit card. He made these payments to 365markets.com, which turned out to be a fraudulent binary options company. What happened The circumstances of this comp... (6 pages)View decision -
Decision Reference DRN-4605417
15 Feb 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4605417 Complaint Mr S has complained about a personal loan Zopa Bank Limited (“Zopa”) which he says it unfairly lent to him. He says his existing debt meant that this loan was unaffordable for him. Background Zopa provided Mr S with a loan for £6,000.00 in October 2021. This loan had ... (3 pages)View decision -
Decision Reference DRN-3558508
9 Aug 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3558508 The complaint Mr B is unhappy that HSBC UK Bank Plc (“HSBC”) hasn’t reimbursed him after he was the victim of a scam. What happened Mr B was looking for investment opportunities online and made contact with a company he believed was suitable for his needs. He later discovered t... (3 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 -
Decision Reference DRN-6029214
24 Feb 2026 Salary Finance Limited Not upheldConsumer CreditDRN-6029214 The complaint Mrs L complains that Salary Finance Limited lent to her irresponsibly. What happened In July 2025, Mrs L took out a loan with Salary Finance; she borrowed £12,000 over a term of 36 months. Her repayments were around £477 each month. A few months later, in Oct... (3 pages)View decision -
Decision Reference DRN8190376
13 Mar 2018 Ferratum UK Ltd. UpheldBanking and creditMr D has complained about 16 payday and 2 instalment loans he’s taken out with Ferratum UK Ltd (Ferratum) from October 2014 until November 2016. Mr D says the loans trapped him in a debt spiral and were also unaffordable, so he thinks Ferratum shouldn’t have them to hi... (6 pages)View decision -
Decision Reference DRN-4397242
18 Oct 2023 Evergreen Finance London Limited UpheldConsumer CreditDRN-4397242 The complaint Mr B complains Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided him with loans he couldn’t afford to repay. Mr B says that in order to repay the loans he had to borrow money from other loan providers. What happened Mr B was grante... (6 pages)View decision -
Decision Reference DRN0957071
30 Jan 2015 Thompson Prior LLP UpheldInvestment and pensionsMr B, through his representative, complains that the ARCK LLP investment that was recommended to him by Thompson Prior LLP was unsuitable for him. In particular, Mr B’s representative says Mr B was unaware that the investment was unregulated and high risk, and that the investment was not ... (8 pages)View decision