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 4703 results
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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 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-3386904
25 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3386904 The complaint Mr W complains that Everyday Lending Limited lent to him irresponsibly. What happened Mr W took one loan with Everyday Lending. It was approved for him on 22 May 2019 for £3,100 repayable over 36 months at £247.09 each month. The total charge for credit was £5,795... (4 pages)View decision -
Decision Reference DRN-3732915
17 Oct 2022 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-3732915 The complaint Mr F complains that Sainsbury's Bank Plc irresponsibly gave him a loan that he couldn’t afford. For simplicity, I will refer to the business throughout as ‘Sainsbury’s’. What happened In November 2020, Mr F applied for a loan with Sainsbury’s. He was given a ... (4 pages)View decision -
Decision Reference DRN-3249836
3 May 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3249836 The complaint Mr F is unhappy that Vanquis Bank Limited approved him for a credit account which he feels wasn’t affordable for him at that time. What happened Mr F applied for a Vanquis credit account in November 2016. Mr F’s application was successful, and Vanquis provided hum... (3 pages)View decision -
Decision Reference DRN-3374134
21 Mar 2022 TM Advances Limited UpheldConsumer CreditDRN-3374134 The complaint Mr S complains about a loan provided to him by TM Advances Limited “TM Advances”, which he says was unaffordable. What happened TM Advances provided Mr S with a personal loan for £2000 on 22 December 2015. The term of the loan was 2 years and the monthly repayment... (3 pages)View decision -
Decision Reference DRN-4187134
10 Jul 2023 Bamboo Limited Not upheldConsumer CreditDRN-4187134 The complaint Mr P says Bamboo Limited, trading as Bamboo Loans, irresponsibly lent to him. What happened This complaint is about an 18-month instalment loan for £1,000 that Bamboo provided to Mr P on 25 November 2022. The monthly repayments were £82.34 and the total repayable ... (3 pages)View decision -
Decision Reference DRN-3236062
4 Feb 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3236062 The complaint Mr L says that Bank of Scotland plc trading as Halifax (“Halifax”) acted irresponsibly by allowing him to increase his overdraft limit to £3,000. What happened One of our adjudicators looked into Mr L’s concerns and didn’t think there was anything within the credi... (3 pages)View decision -
Decision Reference DRN-3790913
9 Nov 2022 HSBC UK Bank Plc UpheldConsumer CreditDRN-3790913 The complaint Mr F complains HSBC UK Bank Plc, trading as first direct, irresponsibly lent to him. What happened Mr F took out a loan for £15,000 on 26 January 2020. The term was 72 months, the monthly repayment was £247.07 and the total repayable was £17,788.20. No repayments ... (3 pages)View decision -
Decision Reference DRN-4709739
26 Mar 2024 Startline Motor Finance Limited UpheldConsumer CreditDRN-4709739 The complaint Miss L is complaining about Startline Motor Finance Limited. She says they shouldn’t have lent to her as the loan was unaffordable. Miss L’s complaint has been dealt with by a representative but for ease I’ve written as if she raised the complaint directly. What h... (3 pages)View decision
