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
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Decision Reference DRN-4821551
25 Jun 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4821551 The complaint Miss T complains that Oakbrook Finance Limited (“Oakbrook”) lent to her in an irresponsible manner. What happened Miss T was given two loans by Oakbrook. She first borrowed £1,500 in January 2022 that she agreed to repay in 12 monthly instalments of £137.72. Miss ... (3 pages)View decision -
Decision Reference DRN3822660
3 Feb 2020 Provident Personal Credit Limited UpheldBanking and creditMr W says that Provident Personal Credit Limited, trading as Satsuma, lent to him irresponsibly.backgroundSatsuma approved 6 instalment loans for Mr W between August 2017 and September 2018. Mr W said that he was in financial difficulty and had issues with gambling and the lending made his... (3 pages)View decision -
Decision Reference DRN-4125172
10 Nov 2023 HSBC UK Bank Plc Not upheldInvestmentsDRN-4125172 The complaint Mr and Mrs P complain that they were given unsuitable investment advice by HSBC UK Bank Plc, referred to as “HSBC”. They are being assisted by a claims management company (CMC). In summary, the CMC says that they were advised to invest in high-risk products – name... (4 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-4249207
29 Sep 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4249207 The complaint Mr T complains that Lloyds Bank PLC refuses to refund the money he lost to an investment scam. What happened Mr T came across an advertisement online for a binary options company I’ll call ‘D’, he said their website looked professional and they had a lot of positi... (6 pages)View decision -
Decision Reference DRN-3550779
18 Jun 2022 UK Credit Limited Not upheldConsumer CreditDRN-3550779 The complaint Miss L has complained that UK Credit Limited lent to her irresponsibly. What happened Miss L was given a guarantor loan of £5,000 in November 2018. The loan was repayable over 36 months with monthly repayments of around £252. If the loan ran to term, the total amo... (3 pages)View decision -
Decision Reference DRN6764159
19 Apr 2017 Casheuronet UK LLC UpheldBanking and creditMr C complains that CashEuroNet UK LLC (trading as QuickQuid) was irresponsible to lend money to him. backgroundMr C took out two loans, including tops ups with Quick Quid during the beginning of 2016. He also took out loans with Quick Quid in the years before thi... (2 pages)View decision -
Decision Reference DRN1875066
16 May 2014 Bank of Scotland Plc Not upheldBanking and creditThis complaint is about a mortgage Mr E holds with Bank of Scotland plc trading as Halifax. Mr E complains that he was wrongly advised to take a mortgage with a ten-year fixed rate.backgroundMr E took out the mortgage – his first – in 2008. It was an advised sale; that is, one where ... (2 pages)View decision -
Decision Reference DRN-2752518
31 Mar 2022 The Prudential Assurance Company Limited UpheldPensions and AnnuitiesDRN-2752518 The complaint Mr F has complained about how The Prudential Assurance Company Limited handled the switch of the investments in his pension. What happened Mr F’s pension was held with Prudential and his money was invested in a fund that was categorised as higher risk. In March 20... (4 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