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 4607 results
-
Decision Reference DRN-2735324
18 Jun 2021 My Finance Club Limited UpheldConsumer CreditDRN-2735324 The complaint Mr W says My Finance Club Limited lent to him irresponsibly. He says that he took on a large amount of debt and he struggled to keep on top of all of it. He says My Finance Club should have made better checks and found out about this. Mr W says it wouldn’t have le... (4 pages)View decision -
Decision Reference DRN-4075703
3 Aug 2023 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-4075703 The complaint Mr R complains that Brent Shrine Credit Union Limited trading as My Community Bank (MCB) lent to him irresponsibly. What happened In October 2021, Mr R applied to MCB for a loan of £5,000. It was agreed and was to be repaid in 48 monthly instalments of approximate... (3 pages)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-4867534
17 Jul 2024 Madison CF UK Limited Not upheldBanking and PaymentsDRN-4867534 The complaint Mr G complains that Madison CF UK Limited (trading as 118 118 Money) lent irresponsibly. What happened 118 118 Money approved Mr G for a credit card with a £1,200 limit on 3 July 2021. Mr G says 118 118 Money didn’t carry out proper affordability checks befor... (3 pages)View decision -
Decision Reference DRN5077734
1 Feb 2018 Euronetcash, Llc Not upheldBanking and creditMr S complains that EuroNetCash LLC (trading as On Stride Financial) gave him a loan that he couldn’t afford.backgroundIn 2015 Mr S took a loan for £1,000 with On Stride Financial. The loan was repayable by thirteen monthly instalments of £104.24.Mr S repaid the loan ... (2 pages)View decision -
Decision Reference DRN-4114046
6 Oct 2023 TSB Bank plc Not upheldBanking and PaymentsDRN-4114046 The complaint Mr W complains that TSB Plc, trading as TSB Bank (‘TSB’), irresponsibly gave him a credit card account that he couldn’t afford. What happened Mr W was granted his credit card account in September 2021. The opening credit limit was £2,500. It was never increased. M... (2 pages)View decision -
Decision Reference DRN-2909011
5 Jul 2021 Loans 2 Go Limited Not upheldConsumer CreditDRN-2909011 The complaint Mr M is unhappy that Loans 2 Go Limited approved him for a loan which he feels was unaffordable for him at that time. What happened In December 2018, Mr M applied for a loan with Loans 2 Go. His application was approved, and Mr M received the loan funds later that... (4 pages)View decision -
Decision Reference DRN4566236
15 Jun 2017 Nationwide Building Society Not upheldBanking and creditMr B complains that Nationwide Building Society approved a loan to him irresponsibly and didn’t complete appropriate checks. Ms C complains on behalf of Mr B.backgroundIn September 2016 Mr B took out a personal loan with Nationwide. Ms C, concerned about Mr B’s healt... (3 pages)View decision -
Decision Reference DRN-4459241
23 Nov 2023 Lloyds Bank PLC Not upheldConsumer CreditDRN-4459241 The complaint Mr A complains that Lloyds Bank PLC (‘Lloyds’) irresponsibly gave a loan that he couldn’t afford. What happened On 13 November 2017, Mr A asked for and was given a loan for £5,000 which had a term of four years. In 2022, Mr A complained to Lloyds to say that the l... (3 pages)View decision -
Decision Reference DRN6630856
17 Aug 2017 Active Securities Limited UpheldBanking and creditMr W complains that Active Securities Limited trading as 247Moneybox lent him money that he couldn’t afford to repay.backgroundMr W took out 26 loans with Moneybox between 2010 and 2013. He said it was irresponsible to agree to lend.Moneybox didn’t agree the lending w... (3 pages)View decision
