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 4717 results
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Decision Reference DRN-3664789
24 Aug 2022 Lendable Ltd UpheldConsumer CreditDRN-3664789 The complaint Miss V complains that Lendable Ltd irresponsibly lent her money on a high cost loan that she couldn’t afford to repay. What happened Lendable provided Miss V with a loan on 2 March 2019 for £10,000, repayable over 60 months at the monthly rate of around £315. She ... (4 pages)View decision -
Decision Reference DRN0700036
22 Mar 2016 HSBC Bank plc Not upheldBanking and creditMr J complains about three disputed transactions on his account. He says that HSBC Bank Plc should reimburse these amounts.backgroundMr J told HSBC that he did not recognise three transactions on his account – all made to online gambling sites. He was unable to with... (2 pages)View decision -
Decision Reference DRN-2480341
30 Jan 2021 Everyday Lending Limited Not upheldConsumer CreditDRN-2480341 The complaint Mrs H believes Everyday Lending Limited, trading as Everyday Loans, acted irresponsibly by agreeing a loan she’d applied for. What happened In December 2011 Mrs H took out a £1,000 loan with Everyday, to be repaid over 11 months with repayments of £168.20 a month.... (3 pages)View decision -
Decision Reference DRN4991121
11 Jul 2017 Uncle Buck Finance LLP UpheldBanking and creditMiss M complains that Uncle Buck Finance LLP gave her unaffordable payday loans. She wants a refund with interest.backgroundMiss M had five loans from Uncle Buck between October 2015 and September 2016. She said Uncle Buck didn’t carry out proper affordability checks bef... (2 pages)View decision -
Decision Reference DRN-3261143
10 Feb 2022 Oakbrook Finance Limited Not upheldConsumer CreditDRN-3261143 The complaint Miss B complains that Oakbrook Finance Limited, trading as Likely Loans provided lending to her which was unaffordable and irresponsible. What happened Miss B borrowed £4500 from Likely Loans in June 2019. It was payable over 60 months at £115.06 per month. Miss ... (2 pages)View decision -
Decision Reference DRN5193195
8 Jan 2018 Barclays Bank Plc Not upheldBanking and creditMr B complains that Barclays Bank PLC is holding him liable for payments he says he did not make with his debit card.backgroundMr B disputes payments which total £940 made to an online gambling website using his debit card between March and April 2017.The adjudi... (1 page)View decision -
Decision Reference DRN8361979
22 Jun 2017 Euronetcash, Llc Not upheldBanking and creditMr D complains that EuroNetCash LLC, trading as On Stride Financial, irresponsibly lent him money without properly carrying out checks of whether he could afford to repay it.backgroundIn December 2016 Mr D borrowed £4,000 from On Stride Financial over a term of three ... (2 pages)View decision -
Decision Reference DRN-4707427
3 Jun 2024 Fairscore Ltd UpheldConsumer CreditDRN-4707427 The complaint Mr B complains about Fairscore Ltd’s, trading as Updraft, three lending decisions which he believes were irresponsible. What happened Mr B took out the following three loans with Updraft: Loan 1 o£5,000 in October 2020 oRequiring 35 monthly repayments of £182.37 ... (3 pages)View decision -
Decision Reference DRN-3047407
14 Sep 2021 Carcashpoint Limited UpheldConsumer CreditDRN-3047407 The complaint Mr G complains that Car Cash Point Limited, trading as CarCashPoint, (“CCP”), lent to him in an irresponsible manner. What happened Mr G was given three loans by CCP from June 2016 to November 2017. All the loans have been repaid following Mr G’s car being reposs... (10 pages)View decision -
Decision Reference DRN0064054
5 Jul 2017 MEM Consumer Finance Limited UpheldBanking and creditMr G complains that MEM Consumer Finance Limited (trading as Payday UK) lent him money he couldn’t afford to repay.backgroundMr G took out a number of loans with Payday UK between 2012 and 2015. He says he borrowed to support his gambling habit. Payday UK told Mr G it h... (2 pages)View decision
