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 4717 results
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Decision Reference DRN2858075
9 Feb 2017 MYJAR Limited UpheldBanking and creditMr S complains that MYJAR Limited provided him with short-term loans he couldn’t afford to repay.backgroundBased on what I’ve seen, Mr S took five loans with MYJAR as follows:Agreement DatePrinciple Amount BorrowedNo. of repayments dueMaximum monthly payment including in... (4 pages)View decision -
Decision Reference DRN-5329702
10 Apr 2025 Oodle Financial Services Limited UpheldConsumer CreditDRN-5329702 The complaint Mr R complains that Oodle Financial Services Limited trading as Oodle Car Finance (Oodle) acted irresponsibly by lending to him. What happened In late May 2022 Mr R acquired a car when he entered into a hire purchase agreement with Oodle. The cash price of the ... (4 pages)View decision -
Decision Reference DRN-3257686
17 Jan 2022 Chetwood Financial Limited UpheldConsumer CreditDRN-3257686 The complaint Mr N complains Chetwood Financial Limited trading as LiveLend (LiveLend) acted irresponsibly when it provided a loan facility to him. What happened Mr N says when he applied for a loan with LiveLend in November 2019, he was in financial difficulties and was strugg... (4 pages)View decision -
Decision Reference DRN4011395
4 May 2018 Casheuronet UK LLC UpheldBanking and creditMr W complains CashEuroNet UK LLC, trading as QuickQuid, gave him loans he couldn’t afford to repay.backgroundOur adjudicator recommended the complaint be upheld in part. QuickQuid disagreed and so the case was passed to me for a decision.I issued a provisional deci... (7 pages)View decision -
Decision Reference DRN-4829444
6 Jun 2024 Tesco Personal Finance PLC UpheldConsumer CreditDRN-4829444 The complaint Mr M has complained that Tesco Personal Finance PLC trading as Tesco Bank (“Tesco”) gave him a loan he couldn’t afford to repay. What happened Tesco gave Mr M a 60-month loan of £15,000 on 12 November 2021. The monthly repayments were £327.68 and the total repayab... (4 pages)View decision -
Decision Reference DRN-3013615
6 Dec 2021 PDL Finance Limited UpheldConsumer CreditDRN-3013615 The complaint Ms W complains that PDL Finance Limited, trading as Mr Lender, lent to her irresponsibly. What happened Using information from Mr Lender, here is a brief table of the approved loans. Loan Date Taken Date Repaid Instalments Amount Highest Repayment 1 02/06/2018 14/... (6 pages)View decision -
Decision Reference DRN8299918
24 May 2018 MYJAR Limited Not upheldBanking and creditMr H complains that MYJAR Limited (MYJAR) gave him a loan he couldn’t afford to repay.backgroundMr H had one loan from MYJAR in November 2017. It was for £500 and due to be repaid in three instalments, the highest of which was about £268. Mr H told MYJAR he was havin... (2 pages)View decision -
Decision Reference DRN-4111195
10 May 2023 Oplo PL Ltd Not upheldConsumer CreditDRN-4111195 The complaint Mr L complains that Oplo PL Ltd lent him a loan he couldn’t afford. What happened The background to this complaint is well known to both parties so I won’t repeat them here. Our adjudicator didn’t uphold Mr L’s complaint as he thought Oplo had done enough before l... (2 pages)View decision -
Decision Reference DRN-5003133
4 Sep 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-5003133 The complaint Mr A complains that a number of credit cards and loans given to him by National Westminster Bank Plc (NatWest) were unaffordable for him. He argues therefore that they should not have been given to him. What happened Mr A was granted two credit cards by NatWes... (8 pages)View decision -
Decision Reference DRN8257687
14 Jun 2019 Western Circle Limited UpheldBanking and creditMr K complains that Western Circle Ltd (trading as Cash Float) was irresponsible when it lent to him. He asks that it refunds interest on the loans and removes them from his credit file.backgroundMr K took out 11 loans with Cash Float between October 2016 and April ... (3 pages)View decision
