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-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-3518007
17 Jun 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3518007 The complaint Mr V complains that AvantCredit of UK, LLC lent to him irresponsibly. What happened Mr V took two loans. Here is a brief table of the loans approved for him. We have a little information about loan 1 from Mr V and we have not received any information about loan 1 ... (4 pages)View decision -
Decision Reference DRN-3714094
25 Nov 2022 Next Retail Limited UpheldConsumer CreditDRN-3714094 The complaint Miss B complains that Next Retail Ltd (“Next”) irresponsibly granted her credit for a catalogue account that she couldn’t afford to repay. What happened Miss B entered into an agreement with Next to have access to credit with a Next catalogue account in January 20... (4 pages)View decision -
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-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 DRN2125227
19 Sep 2018 HSBC Bank plc Not upheldBanking and creditMiss T complains that HSBC Bank Plc (HSBC) should not have approved her credit card application as she had multiple pay day loans, a low credit score, missed payments on her credit file and had a history of gambling. backgroundMiss T applied to HSBC for a credit ... (2 pages)View decision -
Decision Reference DRN-2712343
4 Jun 2021 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2712343 The complaint Miss M complains that Capital One (Europe) plc (Cap One) lent to her irresponsibly. What happened Miss M had three cards provided by Cap One. The limit on the second card was also increased: Date Limit Card A – April 2015 £200 (closed February 2017) Card B – June ... (3 pages)View decision -
Decision Reference DRN8793286
2 Jan 2019 Admiral Financial Services Ltd Not upheldBanking and creditMr B and his representative complain that Admiral Financial Services Ltd irresponsibly loaned him money and they’re also unhappy that it’s said it will apply for a charge over his property even though he’s now in a debt management plan.backgroundIn May 2018 Mr B applied... (3 pages)View decision -
Decision Reference DRN-2916184
16 Jul 2021 Oakbrook Finance Limited Not upheldConsumer CreditDRN-2916184 The complaint Mrs O thinks that Oakbrook Finance Limited trading as Likely Loans, treated her unfairly when it lent her money in January 2018. What happened In January 2018, Likely Loans lent Mrs O £2,500, which Mrs O agreed to repay, with interest, over 24 months. The monthly ... (3 pages)View decision
