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 5125 results
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Decision Reference DRN-2918032
19 Aug 2021 Advanced Payment Solutions Limited Not upheldBanking and PaymentsDRN-2918032 The complaint Mr R complains as a director of C (a limited company) that Advanced Payment Solutions Limited trading as Cashplus (“Cashplus”) has held him liable for transactions he’s said were carried out fraudulently. What happened Three transactions equalling around £4,000 le... (3 pages)View decision -
Decision Reference DRN-4660450
12 Apr 2024 Tesco Personal Finance PLC UpheldConsumer CreditDRN-4660450 The complaint Mr P complains that Tesco Personal Finance PLC trading as Tesco Bank lent to him irresponsibly. What happened In July 2017, Mr P applied for and received a loan of £17,500 from Tesco. The loan was to be repaid in 84 monthly repayments of £262.71. Mr P says that at... (3 pages)View decision -
Decision Reference DRN-5553098
22 Jul 2025 Bamboo Limited Not upheldConsumer CreditDRN-5553098 The complaint Mr N complains that Bamboo Limited trading as Bamboo Loans irresponsibly lent to him. Mr N says he was struggling with gambling at the time Bamboo lent, and had it carried out sufficient checks, it would have seen that he couldn’t repay what it agreed to lend h... (3 pages)View decision -
Decision Reference DRN-4153587
25 May 2023 Capital One (Europe) plc UpheldBanking and PaymentsDRN-4153587 The complaint Miss T complains that Capital One (Europe) plc lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. ... (3 pages)View decision -
Decision Reference DRN-3290566
19 Apr 2022 Evergreen Finance London Limited Not upheldConsumer CreditDRN-3290566 The complaint Mr G complains that the loans he had from Evergreen Finance London Limited (trading as Moneyboat) were unaffordable to him. What happened Mr G had four loans from Moneyboat between September 2020 and October 2021 as follows: Loan Date Amount Term Monthly Repayment... (5 pages)View decision -
Decision Reference DRN-3616284
29 Jul 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-3616284 The complaint Mr K complains about a loan Loans 2 Go Limited provided to him. He says that Loans 2 Go Limited didn’t carry out proper lending checks and, if they had done so, would have seen that he had a gambling addiction. Mr K says Loans 2 Go Limited shouldn’t have lent to h... (4 pages)View decision -
Decision Reference DRN9331425
31 Jan 2019 NewDay Ltd UpheldBanking and creditMrs W complains that NewDay Ltd acted irresponsibly in giving her a credit card and then increasing its limit twice within nine months.background I issued my provisional decision on this case on 20 December 2018. A copy of it is attached and it forms part of this fin... (5 pages)View decision -
Decision Reference DRN9999039
4 Mar 2020 Harvey & Thompson Limited UpheldBanking and creditMiss H says Harvey & Thompson Limited (H&L) irresponsibly lent to her.backgroundThis complaint is about two loans H&L provided to Miss H between January 2017 and June 2017. Miss H’s borrowing history is as follows: LoanDate Taken OutInstalments Date RepaidLoan amount Highest In... (3 pages)View decision -
Decision Reference DRN-2909614
25 Oct 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2909614 The complaint Mr L complains that TSB Bank plc reviewed his bank account and won’t release money held in the account to him. And then closed his account. What happened Mr L had an account with TSB. In December 2019, three payments totalling £8,500 were paid into the account. TS... (3 pages)View decision -
Decision Reference DRN-3447073
4 May 2022 Lendable Ltd UpheldConsumer CreditDRN-3447073 The complaint Mr M says Lendable Ltd lent to him irresponsibly. What happened Mr M took out a 60-month instalment loan for £3,000 from Lendable on 7 August 2018. The monthly repayment was £103.09 and the total repayable was £6,193.08. Mr M says the loan was not affordable – he ... (3 pages)View decision
