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-2833639
27 Jan 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-2833639 The complaint Mr Z complains that Loans 2 Go Limited irresponsibly lent to him when he took out two personal loans with it. What happened In August 2018 Mr Z borrowed £500 from Loans 2 Go. This loan was taken over a period of 18 months with a monthly repayment amount of £113.28... (3 pages)View decision -
Decision Reference DRN-3914736
9 Feb 2023 Fluro Platform Limited Not upheldConsumer CreditDRN-3914736 The complaint Mr L complains Fluro Platform Limited trading as Lending Works (‘Lending Works’) irresponsibly lent to him. What happened Lending Works approved Mr L for a £5,000 loan in June 2019. The term of the loan was 36 months, with repayments of approximately £170 per mont... (3 pages)View decision -
Decision Reference DRN-3473661
26 May 2022 Lendable Ltd UpheldConsumer CreditDRN-3473661 The complaint Mr V has complained that Lendable Ltd was irresponsible in lending to him. What happened In August 2021 Lendable provided Mr V with a loan of £5,000 repayable over 24 months. The monthly repayments were £293.08. After he struggled to repay the loan, Lendable put i... (3 pages)View decision -
Decision Reference DRN-4549774
5 Apr 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4549774 The complaint Miss S has complained that Santander UK Plc (Santander) increased her overdraft limit without doing the right affordability checks. She says the increases were unaffordable and has asked for interest and charges incurred on the overdraft from the point her limit w... (3 pages)View decision -
Decision Reference DRN-4600519
9 Feb 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4600519 The complaint Mr R is complaining about Moneybarn No.1 Limited. He says they shouldn’t have lent to him as the loan was unaffordable. A representative has brought the complaint on Mr R’s behalf but for ease I’ve written as if we’ve dealt directly with Mr R. What happened In Ju... (3 pages)View decision -
Decision Reference DRN-4311456
5 Feb 2024 Western Circle Ltd Not upheldConsumer CreditDRN-4311456 The complaint Ms S complains that Western Circle Ltd trading as Cashfloat irresponsibly lent to her. What happened Cashfloat lent Ms S two loans, the first loan was in October 2021 for £750, repayable in six monthly instalments of £206.60. Ms S repaid this loan within the same ... (2 pages)View decision -
Decision Reference DRN-3947605
8 Feb 2023 Madison CF UK Limited UpheldConsumer CreditDRN-3947605 The complaint Mr W complains that Madison CF UK Limited trading as 118 118 Money irresponsibly lent to him. He says at the time he had a gambling addiction and had borrowed three loans before 118 118 Money approved his loans. What happened 118 118 Money lent Mr W two loans, the... (3 pages)View decision -
Decision Reference DRN2534335
6 Apr 2017 Instant Cash Loans Limited UpheldBanking and creditMr C complains that Instant Cash Loans Limited (trading as Payday UK) gave him loans he couldn’t afford to pay back. backgroundMr C took out 10 loans with Payday UK between 24 March 2015 and 26 October 2016.Mr C hasn’t yet paid back the last loan. Our adjudicator tho... (2 pages)View decision -
Decision Reference DRN0463794
16 May 2017 Barclays Bank Plc Not upheldBanking and creditMr M complains about the way in which Barclays Bank Plc has dealt with transactions on his account that he says he neither made nor authorised.He’s unhappy that his account has been credited and re-debited on multiple occasions, causing confusion and, Mr M says, leav... (2 pages)View decision -
Decision Reference DRN-4572233
14 Feb 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4572233 Complaint Miss O has complained about a loan Zopa Bank Limited (“Zopa”) provided to her. She says the loan was unaffordable, because of her existing debt and financial position, so she shouldn’t have been lent to. Background Zopa provided Miss O with a loan for £8,000.00 in Dec... (3 pages)View decision
