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 5125 results
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Decision Reference DRN-4243768
31 Jul 2023 Koto Card Limited Not upheldBanking and PaymentsDRN-4243768 The complaint Mr S complains that Koto Card Limited (trading as The Credit Thing) was irresponsible to lend to him. What happened Mr S applied for a credit card with The Credit Thing on 3 January 2022 and was approved for a card with a £500 limit. Mr S says he had over £30,00 o... (3 pages)View decision -
Decision Reference DRN-3518007
17 Jun 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3518007 The complaint Mr V complains that AvantCredit of UK, LLC lent to him irresponsibly. What happened Mr V took two loans. Here is a brief table of the loans approved for him. We have a little information about loan 1 from Mr V and we have not received any information about loan 1 ... (4 pages)View decision -
Decision Reference DRN-3143962
4 Nov 2021 Evergreen Finance London Limited UpheldConsumer CreditDRN-3143962 The complaint Miss D has complained that Evergreen Finance London Limited (trading as MoneyBoat) held her liable for a loan which was taken out fraudulently in her name. What happened In 2019, a series of substantial loans were applied for in Miss D’s name. Some of these went t... (6 pages)View decision -
Decision Reference DRN-5294000
28 Feb 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5294000 The complaint Mr M has complained that Bank of Scotland plc trading as Halifax acted irresponsibly when it provided him with an overdraft facility on his current account. He has also said the bank failed in its duty of care to support him as a vulnerable consumer. Background... (5 pages)View decision -
Decision Reference DRN-3141573
22 Dec 2021 TM Advances Limited UpheldConsumer CreditDRN-3141573 The complaint Mr M complains about a personal loan provided to him by TM Advances Limited, (“TMA”), which he says was irresponsibly lent. What happened TMA provided a loan for £4,000 to Mr M on 26 July 2018. The loan was repayable by 45 monthly payments of £289. The interest r... (5 pages)View decision -
Decision Reference DRN8537443
17 Dec 2018 Loans 2 Go Limited UpheldBanking and creditMiss Y complains that Loans 2 Go Limited provided her with a fixed sum loan that was unaffordable. She says Loans 2 Go should have realised the loan was unaffordable based on the information she provided.backgroundMiss Y took out a £1,000 loan in July 2013 which ... (2 pages)View decision -
Decision Reference DRN2445625
22 Nov 2018 Western Circle Limited UpheldBanking and creditMr S complains that Western Circle Ltd (trading as Cash Float) gave him loans that he couldn’t afford to repay. Mr S is represented by a claims management company. His representative says Cash Float should refund the sums advanced as well as interest and charges and rem... (2 pages)View decision -
Decision Reference DRN9520951
12 Jul 2016 Capital One (Europe) plc Not upheldBanking and creditMr M complains about the way Capital One (Europe) plc dealt with payments from his account he said he did not make and that it has charged interest on his borrowing.backgroundMr M says that he did not make five payments (totalling £1,800) to an online gambling websit... (2 pages)View decision -
Decision Reference DRN2707521
7 Jan 2019 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited was irresponsible when it opened a credit card account for him and then increased the credit limit.backgroundMr S opened a credit card account with Vanquis in March 2011. It then increased the limit even though he says he’d... (2 pages)View decision -
Decision Reference DRN-3205570
8 Mar 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3205570 The complaint Mrs G has said that Everyday Lending Limited (trading as Everyday Loans) lent to her irresponsibly. Mrs G has said she was accepted for an unsecured personal loan, when Everyday should have known this wouldn’t be affordable for her. What happened In August 2019, M... (5 pages)View decision
