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 4808 results
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Decision Reference DRN9277507
5 Sep 2018 Casheuronet UK LLC UpheldBanking and creditMr F says CashEuroNet UK LLC, trading as QuickQuid, lent to him irresponsibly.backgroundQuickQuid approved 11 loans for Mr F, plus 16 ‘top-ups’ (this is where an extra amount is borrowed during the term of the loan) between 19 August 2014 and 3 June 2017.An adjudicator... (4 pages)View decision -
Decision Reference DRN5772091
20 Feb 2018 Gain Credit LLC UpheldBanking and creditMr D complains about 21 instalment loans that he took out with Gain Credit LLC, trading as Lending Stream, (“LSL”). He said that LSL shouldn’t have given him the loans as they were unaffordable. The complaint is brought to this service on Mr D’s behalf by a claims man... (6 pages)View decision -
Decision Reference DRN-4535386
2 May 2024 TSB Bank plc UpheldConsumer CreditDRN-4535386 The complaint Miss M has complained that TSB Bank plc (“TSB”) lent to her irresponsibly as it provided her with two unaffordable loans. What happened TSB provided Miss M with a loan of £5,000.00 in July 2022 after she applied in branch. This loan had a 60-month term with monthl... (5 pages)View decision -
Decision Reference DRN-3289248
1 Feb 2022 Logbook Money Limited UpheldConsumer CreditDRN-3289248 The complaint Mr G has complained that Logbook Money Limited (“LML”) was irresponsible to have agreed a loan for him. What happened LML provided Mr G with a loan of £1,500 on 30 May 2020. The total amount of £4,200.30, including interest and charges, was to be repaid in 78 week... (5 pages)View decision -
Decision Reference DRN2147247
25 Mar 2018 Gain Credit LLC UpheldBanking and creditMr C complains about 16 instalment loans that he took out with Gain Credit LLC, trading as Lending Stream, (“LS”). He said that LS shouldn’t have given him the loans as they were unaffordable.background Mr C took out 16 instalment loans with LS as follows:Number of LoanD... (5 pages)View decision -
Decision Reference DRN-5421345
24 Mar 2025 Preferred Mortgages Limited UpheldMortgagesDRN-5421345 The complaint Mr H complains that Preferred Mortgages Limited has not accurately recorded details of his vulnerability. What happened Mr H has a mortgage with Preferred. The mortgage is administered by Acenden – but Preferred is the lender and responsible for what Acenden di... (4 pages)View decision -
Decision Reference DRN-4391036
29 Nov 2023 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4391036 The complaint Mr M complains that Specialist Motor Finance Limited (SMF) irresponsibly granted him a hire purchase agreement that he couldn’t afford to repay. What happened In January 2018 Mr M acquired a vehicle financed by a hire purchase agreement from SMF. Mr M was required... (4 pages)View decision -
Decision Reference DRN-3732915
17 Oct 2022 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-3732915 The complaint Mr F complains that Sainsbury's Bank Plc irresponsibly gave him a loan that he couldn’t afford. For simplicity, I will refer to the business throughout as ‘Sainsbury’s’. What happened In November 2020, Mr F applied for a loan with Sainsbury’s. He was given a ... (4 pages)View decision -
Decision Reference DRN-3386904
25 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3386904 The complaint Mr W complains that Everyday Lending Limited lent to him irresponsibly. What happened Mr W took one loan with Everyday Lending. It was approved for him on 22 May 2019 for £3,100 repayable over 36 months at £247.09 each month. The total charge for credit was £5,795... (4 pages)View decision -
Decision Reference DRN4126916
3 Mar 2021 Next Retail Limited UpheldBanking and creditMiss S complains that Next Retail Limited acted irresponsibly in increasing her credit limit on her NextPay account in July 2017. background The background to this complaint was set out in the provisional decision I issued in January 2021. An extract from this is attached and forms part of... (7 pages)View decision
