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 4726 results
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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 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 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 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-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-2808045
23 Feb 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2808045 The complaint Ms M complains that Barclays Bank UK PLC (Barclays) failed to refund transactions she didn’t recognise. What happened On 9 June 2020 Ms M reported disputed transactions on her account from 7 and 8 June 2020. The disputed transactions related to two betting compani... (4 pages)View decision -
Decision Reference DRN-3162005
16 Nov 2021 TFS Loans Limited Not upheldConsumer CreditDRN-3162005 The complaint Mr K complains TFS Loans Limited lent to him irresponsibly. What happened In May 2016 Mr K applied for, and was given a loan for £4,000, which was repayable over a period of 48 months. The repayments were around £170 a month, and in total Mr K agreed to pay back j... (5 pages)View decision -
Decision Reference DRN0465765
31 Mar 2017 Casheuronet UK LLC UpheldBanking and creditMr L complains that CashEuroNet UK LLC (trading as Quick Quid) gave him unaffordable payday loans. He wants a refund of the interest he paid, with interest.backgroundMr L had 13 loans from Quick Quid between November 2012 and March 2016. Quick Quid said it’d carried ... (3 pages)View decision -
Decision Reference DRN-4795898
16 May 2024 Oakbrook Finance Limited UpheldConsumer CreditDRN-4795898 The complaint Ms K, through a representative, says Oakbrook Finance Limited lent to her irresponsibly. What happened Ms K took out two loans from Oakbrook Finance. A summary of her borrowing follows, Ms K settled loan 1 early in September 2021: loan taken out value, £ term in m... (3 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
