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 4619 results
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Decision Reference DRN2147247
25 Mar 2018 Gain Credit LLC UpheldBanking and creditMr C complains about 16 instalment loans that he took out with Gain Credit LLC, trading as Lending Stream, (“LS”). He said that LS shouldn’t have given him the loans as they were unaffordable.background Mr C took out 16 instalment loans with LS as follows:Number of LoanD... (5 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-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 -
Decision Reference DRN-4194934
5 Oct 2023 Everyday Lending Limited Not upheldConsumer CreditDRN-4194934 The complaint Mr A complains that Everyday Lending Limited, trading as Everyday Loans (“Everyday Loans”) , lent to him irresponsibly. What happened Mr A took out a loan with Everyday Loans in June 2021. He borrowed £1,000 over 18 months, repaying £120.12 a month, meaning he’d r... (3 pages)View decision -
Decision Reference DRN-1943949
12 Aug 2020 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-1943949 The complaintMr M complains about Lloyds Bank PLC account charges that caused financial hardship and that it irresponsibly increased his overdraft limit. What happenedMr M says Lloyds account charges have caused him financial hardship over many years. He says he has had a gambl... (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-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-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-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 DRN0953451
26 Oct 2017 V7 Limited UpheldBanking and creditMr S complains V7 Limited (trading as vivus.co.uk) (“Vivus”) lent to him irresponsibly.backgroundMr S took out seven loans with Vivus during 2016. I’ve summarised these loans below:Loan # Date Date repaidAdvance InterestHighest Payment1 09/03/201601/04/2016£225 £20£2452 06/04/2... (4 pages)View decision
