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-1892106
28 Jul 2020 Ferratum UK Ltd UpheldConsumer CreditDRN-1892106 The complaintMs R has complained about a number of loans she took out through a company called Ferratum UK Limited. Ms R says she was lent to irresponsibly and the loans caused her financial problems. BackgroundWe now know that Ms R took out 11 instalment loans from Ferratum b... (3 pages)View decision -
Decision Reference DRN6697830
24 Apr 2018 Active Securities Limited UpheldBanking and creditMr R complains that Active Securities Limited (trading as 247Moneybox.com) did inadequate checks before approving his loan applications and the repayments were unaffordable to him.backgroundMr R had 13 loans from 247Moneybox between August 2015 and October 2016 as fol... (3 pages)View decision -
Decision Reference DRN0312950
14 Jan 2019 Western Circle Limited UpheldBanking and creditMr C complains that Western Circle Ltd (trading as Cashfloat) gave him loans that he couldn’t afford to repay.backgroundMr C was given eight loans by Cashfloat between February 2016 and May 2017. Each of the loans was repayable in monthly instalments as shown below. Mr... (3 pages)View decision -
Decision Reference DRN7804803
14 Jan 2020 Western Circle Limited UpheldBanking and creditMr M says Western Circle Limited (trading as Cashfloat) lent to him irresponsibly.backgroundMr M had three loans with Cashfloat. I’ve summarised some of the information Cashfloat provided about the loans in the table below.Loan no.AmountStart dateEnd dateInstalments 1 £50005/04/201725/07/2... (3 pages)View decision -
Decision Reference DRN-2929182
21 Jul 2021 Gain Credit LLC Not upheldConsumer CreditDRN-2929182 The complaint Miss A complained that Gain Credit LLC (trading as ‘Lending Stream’) provided her with unaffordable loans. What happened Miss A complained about loans she took out with Lending Stream as follows: loan start date date repaid instalments loan amount highest instalme... (6 pages)View decision -
Decision Reference DRN-3414870
11 Apr 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3414870 The complaint Ms H complains that HSBC UK Bank Plc (“HSBC”) didn’t help recover the money she lost to an investment scam. What happened In November 2017, Ms H came across Greenfields Capital on the internet when she was looking to invest money. She registered her interest and ... (6 pages)View decision -
Decision Reference DRN-3270301
31 Jan 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3270301 Complaint Miss S has complained that HSBC UK Bank Plc (“HSBC”) irresponsibly provided her with an overdraft and a credit card. Background Miss S has also complained about having been provided with a personal loan. But we’ve already explained that we’re looking at that complaint... (3 pages)View decision -
Decision Reference DRN0144389
1 May 2019 Cash On Go Limited Not upheldBanking and creditMr B complains that Cash on Go Limited trading as Peachy.co.uk was irresponsible to lend to him.Mr B wants Peachy to pay him compensation and amend his credit file.backgroundMr B took out five loans with Peachy:No.Date of loanAmount borrowedInstalmentsMaximum monthly ... (4 pages)View decision -
Decision Reference DRN-2440003
17 Dec 2020 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-2440003 The complaint Mr Y believes AvantCredit of UK, LLC acted irresponsibly by agreeing a loan he’d applied for. What happened In March 2016 Mr Y took out a £2,000 loan with Avantcredit, to be repaid over 12 months with repayments of £211.90 a month. This loan was repaid in June 20... (3 pages)View decision -
Decision Reference DRN-5270295
11 Jul 2025 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-5270295 The complaint Mr L complains about the way in which The Co-operative Bank Plc handled a chargeback claim in respect of payments made to an online bookmaker. What happened Mr L had an account with an online bookmaker, which I’ll call “B”. In March and April 2024 he made nine ... (3 pages)View decision