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 4607 results
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Decision Reference DRN-4143388
2 Aug 2023 Shelby Finance Ltd Not upheldConsumer CreditDRN-4143388 The complaint Mr H complains that Shelby Finance Ltd, trading as Dot Dot Loans (“Shelby”) lent to him irresponsibly. What happened Using information from Shelby here is a loan table giving some details of the approved loans: Loan Approved Amount Repayments in months repaid 1 20... (4 pages)View decision -
Decision Reference DRN-3704982
29 Sep 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3704982 The complaint Ms G complains that AvantCredit of UK LLC lent to her when she could not afford it. What happened Ms G’s application to AvantCredit did state that she needed the £6,000 loan in 2016 for debt consolidation. Recently AvantCredit has made submissions on that and I wi... (5 pages)View decision -
Decision Reference DRN-4132802
7 Jun 2023 Lloyds Bank PLC Not upheldConsumer CreditDRN-4132802 The complaint Mr F complains that Lloyds Bank PLC declined his loan application. He believes he has been discriminated against because of his age. What happened Mr F applied for a loan with Lloyds, but the application was declined. He has several accounts with them already and ... (6 pages)View decision -
Decision Reference DRN-5214564
16 Dec 2024 Santander UK Plc UpheldBanking and PaymentsDRN-5214564 The complaint Mr B complains about how Santander UK Plc handled chargeback requests he made. What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my role resolving disputes with minimum form... (7 pages)View decision -
Decision Reference DRN-2873909
10 Jul 2021 MBNA Limited Not upheldBanking and PaymentsDRN-2873909 The complaint Mr D complains that MBNA Limited irresponsibly allowed him to open a credit card account that was unaffordable. What happened Mr D says he applied for the credit card account in April 2019 and £1,500 was transferred from that account to his current account. He say... (3 pages)View decision -
Decision Reference DRN-3194571
29 Mar 2022 The Car Finance Company (2007) Ltd UpheldConsumer CreditDRN-3194571 The complaint Mr S complains that The Car Finance Company (2007) Ltd (“TCFC”) irresponsibly granted him a loan he couldn’t afford to repay. What happened In June 2015, Mr S took receipt of a car that he financed through a hire purchase agreement with TCFS. Mr S was required to... (3 pages)View decision -
Decision Reference DRN4424640
23 Nov 2018 Active Securities Limited UpheldBanking and creditMr F has complained about short-term loans granted to him by Active Securities Limited, trading as 247moneybox.com (“247 moneybox”). Mr F says he couldn’t afford these loans and that 247 moneybox didn’t take appropriate steps to check whether he could afford them when h... (4 pages)View decision -
Decision Reference DRN-1615880
27 Feb 2020 FCL Consumer Finance Ltd Not upheldConsumer CreditDRN-1615880ComplaintMrs S says FCL Consumer Finance Ltd (trading as Smart-Pig.com) lent to her irresponsibly.BackgroundI sent Mrs S and Smart-Pig my provisional findings on this complaint on 24 February 2020. I asked both parties to let me know if there was anything else they wanted me to ... (4 pages)View decision -
Decision Reference DRN0657510
12 Jun 2019 Casheuronet UK LLC UpheldBanking and creditMr H complains that CashEuroNet UK LLC (trading as QuickQuid) was irresponsible in its lending to him.backgroundBased on the information provided, Mr H took out ten loans with QuickQuid between November 2015 and February 2018. He topped up a number of these loans.LoanD... (4 pages)View decision -
Decision Reference DRN-5305361
28 Feb 2025 Everyday Lending Limited Not upheldConsumer CreditDRN-5305361 The complaint Mr H complains that Everyday Lending Limited trading as Everyday Loans (Everyday) acted irresponsibly in agreeing to lend to him. What happened In February 2024 Mr H entered into a Fixed Sum Loan Agreement with Everyday for £6,500. He said the lending was for d... (3 pages)View decision
