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-4170757
19 Jul 2023 Madison CF UK Limited Not upheldConsumer CreditDRN-4170757 The complaint Mr M, through his representative, complains that Madison CF UK Limited, trading as 118118 Money (“Madison”), lent to him irresponsibly. What happened Mr M, through his representative, complains that Madison CF UK Limited, trading as 118118 Money (“Madison”), lent ... (4 pages)View decision -
Decision Reference DRN-4795273
15 May 2024 Vanquis Bank Limited UpheldConsumer CreditDRN-4795273 The complaint Mr R says Vanquis Bank Limited lent to him irresponsibly. What happened This complaint relates to a loan Vanquis agreed for Mr R. But in order to explain my decision, I also need to refer to his credit card account with Vanquis which has been the subject of a simi... (3 pages)View decision -
Decision Reference DRN-2301430
23 Nov 2020 Greenlight Credit Ltd UpheldConsumer CreditDRN-2301430 The complaint Miss K complains that Greenlight Credit Ltd (trading as Varooma) lent to her in an irresponsible manner. What happened I issued a provisional decision relating to this complaint in August 2020. In that decision I explained why I thought most of Miss K's compl... (3 pages)View decision -
Decision Reference DRN9220687
11 Mar 2018 Gain Credit LLC UpheldBanking and creditMr S complains that Gain Credit LLC (trading as Lending Stream) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file.background Mr S took out nine loans between August... (3 pages)View decision -
Decision Reference DRN-3473661
26 May 2022 Lendable Ltd UpheldConsumer CreditDRN-3473661 The complaint Mr V has complained that Lendable Ltd was irresponsible in lending to him. What happened In August 2021 Lendable provided Mr V with a loan of £5,000 repayable over 24 months. The monthly repayments were £293.08. After he struggled to repay the loan, Lendable put i... (3 pages)View decision -
Decision Reference DRN-3914736
9 Feb 2023 Fluro Platform Limited Not upheldConsumer CreditDRN-3914736 The complaint Mr L complains Fluro Platform Limited trading as Lending Works (‘Lending Works’) irresponsibly lent to him. What happened Lending Works approved Mr L for a £5,000 loan in June 2019. The term of the loan was 36 months, with repayments of approximately £170 per mont... (3 pages)View decision -
Decision Reference DRN-4600519
9 Feb 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4600519 The complaint Mr R is complaining about Moneybarn No.1 Limited. He says they shouldn’t have lent to him as the loan was unaffordable. A representative has brought the complaint on Mr R’s behalf but for ease I’ve written as if we’ve dealt directly with Mr R. What happened In Ju... (3 pages)View decision -
Decision Reference DRN-2833639
27 Jan 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-2833639 The complaint Mr Z complains that Loans 2 Go Limited irresponsibly lent to him when he took out two personal loans with it. What happened In August 2018 Mr Z borrowed £500 from Loans 2 Go. This loan was taken over a period of 18 months with a monthly repayment amount of £113.28... (3 pages)View decision -
Decision Reference DRN-4549774
5 Apr 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4549774 The complaint Miss S has complained that Santander UK Plc (Santander) increased her overdraft limit without doing the right affordability checks. She says the increases were unaffordable and has asked for interest and charges incurred on the overdraft from the point her limit w... (3 pages)View decision -
Decision Reference DRN-3224315
21 Dec 2021 Bamboo Limited UpheldConsumer CreditDRN-3224315 The complaint Mr S complains Bamboo Limited didn’t complete reasonable and proportionate checks when approving him for a guarantor loan. What happened Mr S was approved for a guarantor loan with Bamboo in November 2015. Mr S complained to Bamboo in January 2020 and it didn’t u... (4 pages)View decision
