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 4717 results
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Decision Reference DRN4513600
24 Jul 2017 TFS Loans Limited Not upheldBanking and creditMr M complains that TFS Loans Limited (TFS) shouldn’t have granted him a loan as it was unaffordable. He’s also unhappy about the amount he’s been repaying on the loan and the amount of interest.backgroundMr M took out a loan with TFS in January 2014 for the sum of ... (2 pages)View decision -
Decision Reference DRN-4535386
2 May 2024 TSB Bank plc UpheldConsumer CreditDRN-4535386 The complaint Miss M has complained that TSB Bank plc (“TSB”) lent to her irresponsibly as it provided her with two unaffordable loans. What happened TSB provided Miss M with a loan of £5,000.00 in July 2022 after she applied in branch. This loan had a 60-month term with monthl... (5 pages)View decision -
Decision Reference DRN5772091
20 Feb 2018 Gain Credit LLC UpheldBanking and creditMr D complains about 21 instalment loans that he took out with Gain Credit LLC, trading as Lending Stream, (“LSL”). He said that LSL shouldn’t have given him the loans as they were unaffordable. The complaint is brought to this service on Mr D’s behalf by a claims man... (6 pages)View decision -
Decision Reference DRN-4391036
29 Nov 2023 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4391036 The complaint Mr M complains that Specialist Motor Finance Limited (SMF) irresponsibly granted him a hire purchase agreement that he couldn’t afford to repay. What happened In January 2018 Mr M acquired a vehicle financed by a hire purchase agreement from SMF. Mr M was required... (4 pages)View decision -
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 DRN-3289248
1 Feb 2022 Logbook Money Limited UpheldConsumer CreditDRN-3289248 The complaint Mr G has complained that Logbook Money Limited (“LML”) was irresponsible to have agreed a loan for him. What happened LML provided Mr G with a loan of £1,500 on 30 May 2020. The total amount of £4,200.30, including interest and charges, was to be repaid in 78 week... (5 pages)View decision -
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-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 DRN2984314
5 Sep 2018 PDL Finance Limited Not upheldBanking and creditMr W complains that PDL Finance Limited, trading as Mr Lender, was irresponsible to give him loans at a time when his debts were mounting up due to a gambling addiction.backgroundMr W borrowed three times from Mr Lender between February 2014 and November 2016, as fol... (2 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
