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 4619 results
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Decision Reference DRN-3626976
17 Aug 2022 Lendable Ltd Not upheldConsumer CreditDRN-3626976 Complaint Mr N has complained about loans Lendable Ltd (“Lendable”) provided to him. He says his income exceeded his expenditure and he shouldn’t have been provided with these loans. Background Lendable provided Mr N with a first loan for £1,200.00 in October 2020. This loan wa... (3 pages)View decision -
Decision Reference DRN9331425
31 Jan 2019 NewDay Ltd UpheldBanking and creditMrs W complains that NewDay Ltd acted irresponsibly in giving her a credit card and then increasing its limit twice within nine months.background I issued my provisional decision on this case on 20 December 2018. A copy of it is attached and it forms part of this fin... (5 pages)View decision -
Decision Reference DRN1818428
5 Feb 2016 Lloyds Bank PLC Not upheldBanking and creditThis complaint is about a current account and personal loan held with Lloyds Bank PLC. Mr and Mrs P say Lloyds provided the loan to Mr P irresponsibly, because it searched Mrs P’s credit file (rather than his) and failed to check he could afford it. They say the ... (2 pages)View decision -
Decision Reference DRN-2863247
11 Oct 2021 Western Circle Ltd Not upheldConsumer CreditDRN-2863247 The complaint Mr B has complained that Western Circle Ltd trading as Cashfloat didn’t carry out proper affordability checks. What happened Mr B took one payday loan from Cashfloat in September 2019. A summary of his borrowing, based on the information provided to us from Cashf... (3 pages)View decision -
Decision Reference DRN9999039
4 Mar 2020 Harvey & Thompson Limited UpheldBanking and creditMiss H says Harvey & Thompson Limited (H&L) irresponsibly lent to her.backgroundThis complaint is about two loans H&L provided to Miss H between January 2017 and June 2017. Miss H’s borrowing history is as follows: LoanDate Taken OutInstalments Date RepaidLoan amount Highest In... (3 pages)View decision -
Decision Reference DRN-2909614
25 Oct 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2909614 The complaint Mr L complains that TSB Bank plc reviewed his bank account and won’t release money held in the account to him. And then closed his account. What happened Mr L had an account with TSB. In December 2019, three payments totalling £8,500 were paid into the account. TS... (3 pages)View decision -
Decision Reference DRN-3046168
7 Dec 2021 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-3046168 The complaint Miss J said that Creation Consumer Finance Ltd irresponsibly lent to her. What happened Creation provided the following loan to Miss J: Date taken Loan status Number of monthly instalments Loan amount Approximate monthly repayment* March 2018 Outstanding 48 £10,00... (4 pages)View decision -
Decision Reference DRN-3447073
4 May 2022 Lendable Ltd UpheldConsumer CreditDRN-3447073 The complaint Mr M says Lendable Ltd lent to him irresponsibly. What happened Mr M took out a 60-month instalment loan for £3,000 from Lendable on 7 August 2018. The monthly repayment was £103.09 and the total repayable was £6,193.08. Mr M says the loan was not affordable – he ... (3 pages)View decision -
Decision Reference DRN0164186
5 Sep 2016 Casheuronet UK LLC UpheldBanking and creditMr S complains that Casheuronet UK LLC (trading as Quick Quid) gave him unaffordable payday loans. He wants a refund of the interest he paid and for the loans to be removed from his credit file. backgroundMr S had ten payday loans and a Flex Credit loan from Quick Q... (2 pages)View decision -
Decision Reference DRN-2414203
8 Dec 2020 Oakbrook Finance Limited UpheldConsumer CreditDRN-2414203 The complaint Mr M complains that Oakbrook Finance Limited (trading as Likely Loans) was irresponsible to lend to him. What happened Mr M took out his first loan with Likely Loans on 3 June 2018. He initially borrowed £1,200 and was due to repay £139.16 per month for 12 months.... (3 pages)View decision
