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
-
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 DRN5961347
4 Oct 2016 PDL Finance Limited UpheldBanking and creditMr S complains about loans given to him by PDL Finance Limited (‘PDL’).backgroundIn summary, Mr S says he was having money troubles at the time he took the loans. And PDL should have realised this and not given him them.This complaint is about four loans as fol... (4 pages)View decision -
Decision Reference DRN-3565394
9 Dec 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3565394 The complaint Mr J complains there was malpractice by Bank of Scotland trading as Halifax (BOS) in relation to how they communicated about a credit card account in his name – he would like to be compensated for this. What happened The detailed background to this complaint is we... (4 pages)View decision -
Decision Reference DRN-4376063
10 Nov 2023 Spreadex Limited Not upheldInvestmentsDRN-4376063 The complaint Mr C complains that Spreadex Limited allowed him to run up significant unaffordable sports spread betting losses. He feels it should’ve have carried out more stringent checks and restricted access to his account sooner. What happened Mr C opened an account with Sp... (5 pages)View decision -
Decision Reference DRN-5128391
6 Nov 2024 Evolution Lending Limited UpheldMortgagesDRN-5128391 The complaint Mr L complains that Evolution Lending Limited lent to him irresponsibly when it gave him a third charge mortgage. What happened In January 2023, Mr L took out a third charge mortgage with Evolution. He borrowed £15,000 over 15 years on a variable interest rate ... (5 pages)View decision -
Decision Reference DRN-3444417
13 May 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3444417 The complaint Mr A complains about a loan from AvantCredit of UK, LLC, (“ACUK”), which he says was unaffordable. What happened ACUK provided Mr A with a loan of £4,750 in August 2018. ACUK also added a £250 administration fee to the credit amount. The interest rate was 35.51%, ... (7 pages)View decision -
Decision Reference DRN0822536
16 Jun 2017 Provident Personal Credit Limited Not upheldBanking and creditMr R complains that Provident Personal Credit Limited sold him home credit loans he couldn’t afford.backgroundBetween 2005 and 2014, Mr R took out 14 loans with Provident. In 2016 he complained to Provident that these had been unaffordable, and asked for a refund of th... (2 pages)View decision -
Decision Reference DRN9408234
6 Feb 2018 WDFC UK Limited UpheldBanking and creditMr B complains that WDFC UK Limited (trading as Wonga) did not carry out sufficient affordability checks before lending to him and provided him with loans that were unaffordable.backgroundMr B raised his complaint in regard to the loans he took out with Wonga from ... (4 pages)View decision -
Decision Reference DRN9105000
13 Dec 2016 Lending Stream Llc UpheldBanking and creditMr C complains that Lending Stream LLC gave him eleven loans he couldn’t afford to repay. He’s also unhappy with how frequently they contacted him after he’d taken out the loans. Mr C feels that their text messages and emails were excessive and eventually made him feel ... (3 pages)View decision -
Decision Reference DRN5760067
4 Jul 2017 Casheuronet UK LLC UpheldBanking and creditMr R complains that CashEuroNet UK LLC (trading as Quick Quid) gave him unaffordable payday loans and a flex credit loan. He wants a refund of the charges he paid.backgroundMr R had two payday loans and one flex credit loan from Quick Quid in 2013 and 2014. He said ... (3 pages)View decision
