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 4727 results
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Decision Reference DRN2746828
31 Jul 2019 NewDay Ltd UpheldBanking and creditMr W complains that NewDay Ltd (trading as Marbles) was irresponsible when it increased the credit limit on his credit card account. backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 9 July 2019 – a copy of which is attach... (5 pages)View decision -
Decision Reference DRN3745224
7 Aug 2018 TSB Bank plc Not upheldBanking and creditMr S complains that TSB Bank plc allowed him to go overdrawn even though he had a basic bank account.To settle matters Mr S would like the account to go back to how it was before the unauthorised overdraft.backgroundMr S carried out a number of gambling transacti... (3 pages)View decision -
Decision Reference DRN-3392649
29 Apr 2022 Shelby Finance Ltd Not upheldConsumer CreditDRN-3392649 The complaint Mr B complains that the loan he had from Shelby Finance Ltd (trading as Dot Dot Loans) was unaffordable. What happened Mr B took out a £600 loan with Dot Dot Loans on 8 July 2021. His scheduled repayments were £187.87 per month for six months. The loan was due to ... (3 pages)View decision -
Decision Reference DRN6073664
1 Nov 2019 Gain Credit LLC Not upheldBanking and creditMr S complains that Gain Credit LLC (Lending Stream) lent to him irresponsibly. backgroundUsing the information from Lending Stream here is a summary table of the approved loans. loan approvedrepaid amountsix instalmentshighest instalment11 September 201219 September 2012£450due to end Feb... (3 pages)View decision -
Decision Reference DRN-2968331
11 Aug 2021 Carcashpoint Limited UpheldConsumer CreditDRN-2968331 The complaint Mr W says CarCashPoint Limited lent to him irresponsibly. What happened Mr W borrowed £850 from CarCashPoint on 23 December 2014. The loan had a 156-week term, the weekly repayments were £25.07 and the total repayable was £3910.93. As Mr W was unable to make his r... (3 pages)View decision -
Decision Reference DRN4240469
10 Nov 2017 Provident Personal Credit Limited Not upheldBanking and creditMr D complains that Provident Personal Credit Limited (trading as Satsuma Loans) did not carry out sufficient checks before lending to him. backgroundMr D took out three loans with Satsuma between February 2015 and July 2017. He says that proper checks were not carried ... (3 pages)View decision -
Decision Reference DRN-4971450
2 Sep 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4971450 The complaint Mr H complains that Zopa Bank Limited was irresponsible in its lending to him. What happened Mr H was provided with a £15,000 loan by Zopa in March 2023. He was then provided with a credit card with a large limit in July 2023. He said that his credit file would... (3 pages)View decision -
Decision Reference DRN7572285
30 Jan 2019 MYJAR Limited Not upheldBanking and creditMrs S complains that MYJAR Limited gave her a loan that she couldn’t afford.backgroundMrs S was given an instalment loan for £2,450 by MYJAR on 19 November 2017. It wasrepayable by 12 monthly instalments. The first instalment was £371.02 followed by teninstalments of... (4 pages)View decision -
Decision Reference DRN-3167681
21 Feb 2022 Oakbrook Finance Limited Not upheldConsumer CreditDRN-3167681 The complaint Mr R complained that OAKBROOK FINANCE LIMITED trading as Likely Loans irresponsibly provided him with an unaffordable loan. What happened Likely Loans provided Mr R with a loan as follows: Date taken Amount received Term Monthly repayment Amount payable Date repai... (3 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
