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 DRN8108807
15 Mar 2018 Barclays Bank Plc Not upheldBanking and creditMr H complains about interest and charges on his credit card with Barclays Bank Plc (trading as Barclaycard). He thinks they should have done more to assist him because he was in financial difficulty.backgroundIn 1993, Mr H opened a Barclaycard account. Mr H unfortunately ... (3 pages)View decision -
Decision Reference DRN-4274287
26 Oct 2023 Loans 2 Go Limited Not upheldConsumer CreditDRN-4274287 The complaint Mr T complained that Loans 2 Go Limited (“Loans 2 Go”) irresponsibly granted him two personal loans (in March and September 2022) that he couldn’t afford to repay. What happened In March 2022, Mr T took out a loan of £500 (account number ending 1288), over a term ... (3 pages)View decision -
Decision Reference DRN-2177466
2 Oct 2020 PDL Finance Limited UpheldConsumer CreditDRN-2177466 The complaint Mr D says PDL Finance Limited, trading as Mr Lender, irresponsibly lent to him. What happened This complaint is about eight loans Mr Lender provided to Mr D between July 2014 and July 2019. A summary of Mr D’s borrowing history, as evidenced by Mr Lender, is as fo... (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 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 DRN0353893
16 Apr 2018 Hitachi Capital (UK) Plc Not upheldBanking and creditMr M complains that Hitachi Capital (UK) Plc didn’t carry out affordability checks before accepting his loan application.backgroundMr M applied for a personal loan on 11 June 2015 for the sum of £10,000. On his application Mr M said he was living with his parents, ha... (3 pages)View decision -
Decision Reference DRN-2956832
11 Aug 2021 Madison CF UK Limited Not upheldConsumer CreditDRN-2956832 The complaint Mr B says Madison CF UK Limited (trading as 118 118 Money) lent to him irresponsibly. What happened Mr B took out a 24-month loan for £1000 in June 2017. The monthly repayment was £98.71 and the total repayable was £2369.04. Mr B says 118 118 Money took advantage ... (3 pages)View decision -
Decision Reference DRN-3052071
14 Apr 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3052071 The complaint Mr F has complained that Madison CF UK Limited (trading as 118 118 Money) acted irresponsibly when it agreed to give him a loan in 2018. Background Mr F applied for a loan with 118 118 Money in October 2018. The loan was for a total of £1,000 to be repaid over 18 ... (2 pages)View decision -
Decision Reference DRN-2792522
16 Jun 2021 PDL Finance Limited UpheldConsumer CreditDRN-2792522 The complaint Mr F complains that PDL Finance Limited (trading as ‘Mr Lender’) lent to him irresponsibly. What happened This complaint is about loans Mr Lender provided to Mr F as follows: Loan Date Taken Date Repaid Instalments Loan Amount Maximum Repayment 1 10/04/2018 15/08/... (5 pages)View decision -
Decision Reference DRN-3268180
22 Mar 2022 Shelby Finance Ltd UpheldConsumer CreditDRN-3268180 The complaint Miss S complains that Shelby Finance Ltd, trading as Dot Dot Loans, lent to her irresponsibly. What happened Shelby approved for Miss S a £4,000 loan on 21 April 2021, repayable at £186.65 each month for 48 months. It was repaid in September 2021 and Miss S has ex... (4 pages)View decision
