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 DRN7756278
19 Sep 2017 Casheuronet UK LLC UpheldBanking and creditMr C complains that CashEuroNet UK LLC, trading as Quick Quid, gave him loans he couldn’t afford to repay.backgroundOur adjudicator upheld this complaint. Quick Quid disagreed and asked for an ombudsman to make a decision.I issued a provisional decision on 1 September 201... (6 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 DRN-3123292
17 Jan 2022 TFS Loans Limited UpheldConsumer CreditDRN-3123292 The complaint Mr H complains about a guarantor loan provided to him by TFS Loans Limited, (“TFS”), which he says was unaffordable. What happened TFS provided Mr H with a loan of £12,000 on 2 December 2016. The loan was secured by a guarantor who would be responsible for repayin... (6 pages)View decision -
Decision Reference DRN-5067988
31 Oct 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-5067988 Complaint Mr H complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said he shouldn’t have been lent to given his previous credit history. Background In July 2023, SMF provided Mr H with finance for a used c... (3 pages)View decision -
Decision Reference DRN3336276
14 Jan 2020 Valour Finance Limited Not upheldBanking and creditMr H complains that Valour Finance Limited (trading as ‘Savvy’) irresponsibly lent to him. backgroundMr H borrowed £1,500 from Savvy in June 2018. The loan was set to run for 15 months and his repayments were set at £200 per month. From the information provided, I can see that there’s stil... (3 pages)View decision -
Decision Reference DRN-5025139
7 Oct 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-5025139 Complaint Mr R complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said that the agreement was unaffordable and the finance therefore shouldn’t have been provided to him. Background In October 2019, SMF pro... (3 pages)View decision -
Decision Reference DRN-5260243
17 Jan 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5260243 Complaint Mr G complains that Moneybarn No.1 Limited (trading as “Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable. Background In April 2021, ... (4 pages)View decision -
Decision Reference DRN4696543
6 Nov 2017 Barclays Bank Plc UpheldBanking and creditMiss J complains that Barclays Bank Plc has held her liable for a number of transactions that she says were made fraudulently by an acquaintance. The bank has agreed to credit her account with the value of a number of the transactions – although not the majori... (5 pages)View decision -
Decision Reference DRN-2301430
23 Nov 2020 Greenlight Credit Ltd UpheldConsumer CreditDRN-2301430 The complaint Miss K complains that Greenlight Credit Ltd (trading as Varooma) lent to her in an irresponsible manner. What happened I issued a provisional decision relating to this complaint in August 2020. In that decision I explained why I thought most of Miss K's compl... (3 pages)View decision
