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
-
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 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-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 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-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-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-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
