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 DRN8769676
19 Feb 2019 Provident Personal Credit Limited Not upheldBanking and creditMr B complains that Provident Personal Credit Limited (trading as Satsuma Loans) was irresponsible to lend him money.backgroundMr B took out an instalment loan with Satsuma in March 2018. Satsuma expected Mr B to repay the £1,000 loan over 12 months at about £166 each ... (2 pages)View decision -
Decision Reference DRN-5075130
6 Nov 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-5075130 Complaint Mr P complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable given his circumstances at the time and so he shouldn’t have been lent ... (4 pages)View decision -
Decision Reference DRN7907091
8 Jun 2017 Everyday Loans Limited Not upheldBanking and creditMr P complains that Everyday Loans Limited gave him a loan that was unaffordable for him and didn’t carry out proper checks before agreeing the loan.backgroundMr P took out an unsecured loan with Everyday Loans in October 2016 for £5000. The monthly repayments were just ... (2 pages)View decision -
Decision Reference DRN-5119814
6 Nov 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-5119814 Complaint Mr C complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said he shouldn’t have been lent to as the monthly payments were unaffordable for him. Mr C is being represented in his complaint by a Clai... (4 pages)View decision -
Decision Reference DRN-4434240
8 Nov 2023 Evolution Lending Limited UpheldMortgagesDRN-4434240 The complaint Miss A complains that Evolution Lending Limited (“Evolution”) lent to her irresponsibly as she had numerous debts at the time she took out her secured loan. She also says that Evolution didn’t treat her fairly when she was in financial difficulties. What happened ... (10 pages)View decision -
Decision Reference DRN-3021198
1 Oct 2021 Think Money Limited Not upheldBanking and PaymentsDRN-3021198 The complaint and background Mr B blames Think Money Limited for not doing enough to help him recover payments to a scam binary-options trading company. He disputes the following payments: Date Merchant Payment method Amount 30 January 2018 G Ltd Mastercard debit card £750 30 J... (9 pages)View decision -
Decision Reference DRN-5130869
25 Nov 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-5130869 The complaint Mr T says Zopa Bank Limited irresponsibly lent to him. What happened Mr T took out a 24-month loan for £2,500 in September 2024. The monthly repayments were £243.21 and the total repayable was £2,918.55. Mr T says Zopa’s checks were inadequate: a thorough unde... (3 pages)View decision -
Decision Reference DRN1057310
3 May 2018 WDFC UK Limited UpheldBanking and creditMr K complains that WDFC UK Limited (trading as Wonga) gave him loans that he couldn’t afford and trapped him into a spiral of debt.backgroundMr K took out a total of 12 loans with Wonga between May 2016 and June 2017. The amounts he borrowed varied.Mr K says that ... (3 pages)View decision -
Decision Reference DRN-5273847
15 Feb 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5273847 The complaint Miss F complains Nationwide Building Society (NBS) acted irresponsible when they agreed to her opening a credit card account, and subsequent credit limit increases. What happened In November 2022 Miss F applied for a credit card account with NBS. Her applicatio... (3 pages)View decision -
Decision Reference DRN7005678
18 Feb 2020 Bank of Scotland Plc UpheldBanking and creditMr L complains Bank of Scotland plc trading as Halifax (“Halifax”) were irresponsible when they approved multiple applications for an increase in his arranged overdraft.backgroundMr L brought his complaint to us as he was unhappy with the responses he received from Halifax in relation to h... (3 pages)View decision
