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 4808 results
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Decision Reference DRN0463794
16 May 2017 Barclays Bank Plc Not upheldBanking and creditMr M complains about the way in which Barclays Bank Plc has dealt with transactions on his account that he says he neither made nor authorised.He’s unhappy that his account has been credited and re-debited on multiple occasions, causing confusion and, Mr M says, leav... (2 pages)View decision -
Decision Reference DRN2534335
6 Apr 2017 Instant Cash Loans Limited UpheldBanking and creditMr C complains that Instant Cash Loans Limited (trading as Payday UK) gave him loans he couldn’t afford to pay back. backgroundMr C took out 10 loans with Payday UK between 24 March 2015 and 26 October 2016.Mr C hasn’t yet paid back the last loan. Our adjudicator tho... (2 pages)View decision -
Decision Reference DRN-4572233
14 Feb 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4572233 Complaint Miss O has complained about a loan Zopa Bank Limited (“Zopa”) provided to her. She says the loan was unaffordable, because of her existing debt and financial position, so she shouldn’t have been lent to. Background Zopa provided Miss O with a loan for £8,000.00 in Dec... (3 pages)View decision -
Decision Reference DRN6299310
4 Nov 2015 Lloyds Bank PLC Not upheldBanking and creditMr G complains that Lloyds Bank plc was irresponsible when it lent him money.backgroundLloyds agreed a £1,500 overdraft for Mr G in July 2012 and approved a credit card with a £2,250 limit in January 2013. By March 2013, Mr G’s overdraft was £3,000. In January 20... (2 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 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 -
Decision Reference DRN-5035659
23 Sep 2024 FirstRand Bank Limited Not upheldConsumer CreditDRN-5035659 Complaint Mrs L complains that FirstRand Bank Limited (trading as “Motonovo Finance”) unfairly entered into a hire-purchase agreement with her. She’s said the agreement was unaffordable and so she shouldn’t have been accepted for it. Background In February 2018, Motonovo Fi... (4 pages)View decision -
Decision Reference DRN-3341604
23 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3341604 The complaint Mr S complains that AvantCredit of UK, LLC (Avant), lent to him irresponsibly. What happened Mr S was approved by Avant for a loan on 30 December 2015. It was for £3,300 repayable over 36 months at just over £154 each month. The total charge for the credit was £2,... (4 pages)View decision -
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 DRN-4139083
28 Aug 2023 Shelby Finance Ltd UpheldConsumer CreditDRN-4139083 The complaint Mr R complains that Shelby Finance Ltd, trading as Dot Dot Loans (“Shelby”) lent to him when he had many other loans outstanding and Shelby ought to have known that. He says Shelby lent to him irresponsibly. What happened Using information provided by Shelby here ... (6 pages)View decision
