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 5478 results
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Decision Reference DRN-4707427
3 Jun 2024 Fairscore Ltd UpheldConsumer CreditDRN-4707427 The complaint Mr B complains about Fairscore Ltd’s, trading as Updraft, three lending decisions which he believes were irresponsible. What happened Mr B took out the following three loans with Updraft: Loan 1 o£5,000 in October 2020 oRequiring 35 monthly repayments of £182.37 ... (3 pages)View decision -
Decision Reference DRN-5583410
3 Oct 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5583410 THE COMPLAINT Mr H complains that Barclays Bank UK PLC (“Barclays”) will not reimburse him money he says he lost when he fell victim to fraud. WHAT HAPPENED The circumstances of this complaint are well known to all parties concerned, so I will not repeat them again here in ... (3 pages)View decision -
Decision Reference DRN-1395764
21 May 2020 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-1395764 The complaintMr G complains that HSBC UK Bank Plc (HSBC) irresponsibly allowed him to open an account with a £1,000 overdraft and also allowed him to spend in excess of that overdraft. What happenedOur investigator’s background summary covered all the relevant facts and issues,... (3 pages)View decision -
Decision Reference DRN-4707989
2 Apr 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4707989 The complaint Mr L complains that Zopa Bank Limited was irresponsible in its lending to him. Mr L is represented by a third party but for ease of reference I have referred to Mr L throughout this decision. What happened Mr L was provided with a £5,000 loan by Zopa in February 2... (2 pages)View decision -
Decision Reference DRN-3898349
15 Jun 2023 Lendable Ltd Not upheldBanking and PaymentsDRN-3898349 The complaint Mr W complains that Lendable Ltd trading as Zable (Zable) irresponsibly issued him with a credit card. What happened Mr W successfully applied for a credit card with Zable in March 2022. He was given a credit limit of £200, which wasn’t raised. He maintained the a... (2 pages)View decision -
Decision Reference DRN-3885339
25 Jan 2023 Madison CF UK Limited Not upheldConsumer CreditDRN-3885339 The complaint Miss D complains that Madison CF UK Limited trading as 118 118 Money lent to her when it shouldn’t have. What happened 118 118 Money lent Miss D two loans between January 2020 and April 2021, the details of the loans are as follows: Loan number Start date Loan amo... (2 pages)View decision -
Decision Reference DRN0283096
22 Nov 2017 Lending Stream Llc UpheldBanking and creditMiss L complains that Lending Stream LLC irresponsibly gave her instalment loans. She wants a refund of the interest she paid.backgroundMiss L had 39 loans from Lending Stream between January 2015 and December 2016. She said her debts got out of control and the lending... (2 pages)View decision -
Decision Reference DRN1923508
5 Feb 2019 Elevate Credit International Limited UpheldBanking and creditMr S complains that Elevate Credit International Limited trading as Sunny.co.uk lent him money that he couldn’t afford to repay.Mr S is represented in his complaint by a claims management company.background Mr S took out five instalment loans with Sunny between March and... (2 pages)View decision -
Decision Reference DRN-4795898
16 May 2024 Oakbrook Finance Limited UpheldConsumer CreditDRN-4795898 The complaint Ms K, through a representative, says Oakbrook Finance Limited lent to her irresponsibly. What happened Ms K took out two loans from Oakbrook Finance. A summary of her borrowing follows, Ms K settled loan 1 early in September 2021: loan taken out value, £ term in m... (3 pages)View decision -
Decision Reference DRN0465765
31 Mar 2017 Casheuronet UK LLC UpheldBanking and creditMr L complains that CashEuroNet UK LLC (trading as Quick Quid) gave him unaffordable payday loans. He wants a refund of the interest he paid, with interest.backgroundMr L had 13 loans from Quick Quid between November 2012 and March 2016. Quick Quid said it’d carried ... (3 pages)View decision