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 5125 results
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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-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 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-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 DRN-4366698
5 Jul 2024 IG Index Limited Not upheldInvestmentsDRN-4366698 The complaint Mr P complained about IG Index Limited. He said he had an addiction to forex and indices trading using IG’s spread betting service. He said IG didn’t check if he had a gambling addiction and for this reason, didn’t treat him fairly. Mr P said IG should have done m... (4 pages)View decision -
Decision Reference DRN-4271368
4 Dec 2023 Stagemount Limited UpheldConsumer CreditDRN-4271368 The complaint Mr B complains that Stagemount Limited trading as Quid Market irresponsibly lent to him. What happened Quid Market lent Mr B two short term instalment loans. The first loan was for £300 lent in June 2022, on this loan, Mr B was due to make six monthly instalment p... (3 pages)View decision -
Decision Reference DRN-3544404
15 Aug 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3544404 The complaint Mr H complains that Nationwide Building Society (‘Nationwide’) lent irresponsibly to him by providing him with a credit card. What happened On or around 9 August 2016, Mr H applied for a credit card with Nationwide. His application was accepted, and Nationwide agr... (3 pages)View decision -
Decision Reference DRN-5719740
29 Jul 2025 ONMO Limited Not upheldBanking and PaymentsDRN-5719740 The complaint Mrs W complains ONMO Limited is holding her liable for payments she has disputed. What happened Around March 2023 Mrs W opened an account with “C”, an online casino. She says she loaded funds to C from her ONMO credit card account – as set out in my table below... (5 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-4812318
30 May 2024 Valour Finance Limited UpheldConsumer CreditDRN-4812318 The complaint Mr P complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) didn’t carry out sufficient affordability checks before it lent to him. What happened Mr P was advanced one loan of £750 on 18 February 2023 and he was due to make 52 weekly payments of £... (4 pages)View decision
