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 DRN-5421345
24 Mar 2025 Preferred Mortgages Limited UpheldMortgagesDRN-5421345 The complaint Mr H complains that Preferred Mortgages Limited has not accurately recorded details of his vulnerability. What happened Mr H has a mortgage with Preferred. The mortgage is administered by Acenden – but Preferred is the lender and responsible for what Acenden di... (4 pages)View decision -
Decision Reference DRN5229750
28 Sep 2016 MEM Consumer Finance Limited UpheldBanking and creditMr H complains that MEM Consumer Finance Limited, trading as PaydayUK, (Payday) gave him loans he couldn’t afford to repay. backgroundMr H took out eight loans with Payday between 2010 and 2013 for amounts ranging between £200 and £640. He rolled over each of them, apa... (3 pages)View decision -
Decision Reference DRN5393516
10 Aug 2018 Uncle Buck Finance LLP UpheldBanking and creditMr M complains Uncle Buck Finance LLP (“UBF”) lent to him irresponsibly.backgroundThe background to Mr M’s complaint, and my preliminary findings on it, can be found in my provisional decision which is attached to and forms a part of this final decision.In brief howev... (6 pages)View decision -
Decision Reference DRN-3755089
20 Oct 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3755089 The complaint Via a professional representative, Mr and Mrs C complain that Everyday Lending Limited, trading as Everyday Loans, lent to them irresponsibly and without carrying out proper affordability checks. They would like all the fees and charges associated with the loan re... (3 pages)View decision -
Decision Reference DRN9462217
12 Dec 2018 Indigo Michael Limited UpheldBanking and creditMr C complains Indigo Michael Limited (trading as SafetyNetCredit) (“SNC”) lent to him irresponsibly.backgroundMr C entered a running account credit agreement with SNC in February 2016. This was an agreement with a £250 credit limit which allowed Mr C to transfer mone... (3 pages)View decision -
Decision Reference DRN-4742032
30 Apr 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4742032 The complaint Mr P complains that Monzo Bank Ltd irresponsibly gave him an overdraft he couldn’t afford to repay. What happened Mr P held a current account with Monzo and in February 2022 he applied to have an overdraft facility on the account. Monzo approved an overdraft of £1... (4 pages)View decision -
Decision Reference DRN-4805244
23 May 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4805244 The complaint Mr A complains that Vanquis Bank Limited was irresponsible in its lending to him. Mr A is represented by a third party but for ease of reference I have referred to Mr A throughout this decision. What happened Mr A was provided with a credit card with a credit limi... (4 pages)View decision -
Decision Reference DRN-4960308
12 Aug 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4960308 The complaint Mr L complains that Moneybarn No. 1 Limited (Moneybarn) irresponsibly entered into a conditional sale agreement with him. Mr L is bringing this complaint with the help of a representative, but for ease I’ll refer to Mr L throughout this provisional decision. Wh... (5 pages)View decision -
Decision Reference DRN-2273113
20 Sep 2021 1plus1 Loans Limited UpheldConsumer CreditDRN-2273113 The complaint Mr C has complained that 1Plus1 Loans Limited (“1Plus1” or “the lender”) should not have agreed a guarantor loan for him in May 2018. What happened 1Plus1 agreed a loan of £2,000 for Mr C on the 23 May 2018. The monthly repayment was £122.50 over a term of two ye... (4 pages)View decision -
Decision Reference DRN-3565394
9 Dec 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3565394 The complaint Mr J complains there was malpractice by Bank of Scotland trading as Halifax (BOS) in relation to how they communicated about a credit card account in his name – he would like to be compensated for this. What happened The detailed background to this complaint is we... (4 pages)View decision
