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 4619 results
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Decision Reference DRN-2499339
26 Jan 2021 Gain Credit LLC Not upheldConsumer CreditDRN-2499339 The complaint Miss H complains that Gain Credit LLC (trading as Lending Stream) was irresponsible to lend to her. What happened Miss H took out a £300 loan with Lending Stream on 26 May 2014. It was due to be repaid with six instalments, finishing on 1 December 2014. Miss H say... (3 pages)View decision -
Decision Reference DRN-3763049
30 Nov 2022 NewDay Ltd Not upheldConsumer CreditDRN-3763049 The complaint Mr G complains that NewDay Ltd (‘NewDay’) irresponsibly gave him two credit card account facilities that he couldn’t afford. What happened In January 2018, Mr G applied for and was given a credit card account with NewDay with an initial credit limit of £600, under... (2 pages)View decision -
Decision Reference DRN6235962
14 Jul 2017 Casheuronet UK LLC UpheldBanking and creditMr R has complained about loans granted to him by CashEuroNet UK LLC (trading as both “Quick Quid” and as “Pounds to Pocket”). He’s said they were unaffordable for him.backgroundCashEuroNet says it agreed 28 loans for Mr R (as Quick Quid) during the period August 2009 ... (7 pages)View decision -
Decision Reference DRN-3694457
10 Oct 2022 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-3694457 The complaint Mr G is complaining that Hitachi HC Capital UK PLC trading as Hitachi Personal Finance lent to him when it shouldn’t have. What happened Hitachi lent Mr G one loan in July 2016. The loan was for £7,350 to be repaid in 60 monthly instalments of £156.29. In May 2019... (2 pages)View decision -
Decision Reference DRN9152280
17 Apr 2020 National Westminster Bank Plc Not upheldBanking and creditThe executor of the estate of the late Mr H complains that National Westminster Bank Plc won’t refund payments he didn’t authorise.backgroundThe executor is the sister of the late Mr H. She says that before he died his stepdaughters made withdrawals from his account that she disputes he au... (3 pages)View decision -
Decision Reference DRN-4139083
28 Aug 2023 Shelby Finance Ltd UpheldConsumer CreditDRN-4139083 The complaint Mr R complains that Shelby Finance Ltd, trading as Dot Dot Loans (“Shelby”) lent to him when he had many other loans outstanding and Shelby ought to have known that. He says Shelby lent to him irresponsibly. What happened Using information provided by Shelby here ... (6 pages)View decision -
Decision Reference DRN-4774513
1 May 2024 My Finance Club Limited UpheldConsumer CreditDRN-4774513 The complaint Mr M complains that My Finance Club Limited trading as Ondal.co.uk (“MFC”) gave him a loan without carrying out the correct affordability checks. Mr M says that had further checks been carried out MFC would’ve realised Mr M was already in a significant amount of d... (5 pages)View decision -
Decision Reference DRN7353374
30 May 2018 Novaloans Ltd Not upheldBanking and creditMrs K complains that Novaloans Ltd (trading as Cash4unow) lent her money without checking properly that she could afford to repay it. She says if it had done so it wouldn’t have lent to her, so she wants Cash4unow to compensate her for this.backgroundMrs K took out... (2 pages)View decision -
Decision Reference DRN-2937984
22 Jul 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2937984 The complaint Miss G is complaining about Barclays Bank UK PLC trading as Barclaycard for having irresponsibly lent to her. What happened Miss G was accepted for a Barclaycard credit card in September 2017 with a credit limit of £3,800. Barclaycard increased the credit limit in... (4 pages)View decision -
Decision Reference DRN-4536009
3 Jan 2024 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-4536009 The complaint Mrs W complains The Royal Bank of Scotland Plc (RBS) irresponsibly lent to her when granting an overdraft. Mrs W also says the charges applied have left her in financial difficulties. What happened I issued a provisional decision setting out what’s happened, and w... (5 pages)View decision
