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 4607 results
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Decision Reference DRN4448324
21 Apr 2015 Steven George Murray UpheldBanking and creditMr M complains that Steven George Murray (trading as Uncle Buck) irresponsibly lent him money. background Mr M took out a number of payday loans with Uncle Buck over about a five year period. Each time the original loan was rolled over and it took some time before... (2 pages)View decision -
Decision Reference DRN4326089
28 Feb 2020 PDL Finance Limited UpheldBanking and creditMrs M says PDL Finance Limited, trading as Mr Lender, irresponsibly lent to her.backgroundThis complaint is about four loans Mr Lender provided to Mrs M between May 2014 and October 2015. Mrs M’s borrowing history is as follows: LoanDate taken outLoan TypeDate Repaid Loan amount Highest In... (3 pages)View decision -
Decision Reference DRN-4532193
21 Feb 2024 Chetwood Financial Limited UpheldConsumer CreditDRN-4532193 The complaint Mr W says Chetwood Financial Limited, trading as BetterBorrow, irresponsibly lent to him. What happened Mr W took out a 24-month instalment loan for £2,500 on 24 June 2022. The monthly repayments were £123.92 and the total repayable was £2,974.14. Mr W says he was... (3 pages)View decision -
Decision Reference DRN-2945616
1 Dec 2021 Nationwide Building Society Not upheldConsumer CreditDRN-2945616 The complaint Miss B complains that her loan with Nationwide Building Society (“Nationwide”) was lent to her irresponsibly. What happened In 2014 Miss B took out a £5,000 loan over 48 months. The loan was applied for and approved on Nationwide’s website. Miss B says she was in ... (3 pages)View decision -
Decision Reference DRN-2984924
20 Jan 2022 Retail Money Market Ltd UpheldConsumer CreditDRN-2984924 The complaint Miss B says Retail Money Market Ltd (trading as RateSetter) facilitated a loan for her that she couldn’t afford. What happened Miss B took out a loan for £2,000 through RateSetter’s electronic system in January 2017. The loan total of £2,364.24, including interes... (3 pages)View decision -
Decision Reference DRN-1724592
20 Apr 2020 Gain Credit LLC Not upheldConsumer CreditDRN-1724592 ComplaintMr C says Gain Credit LLC (trading as Drafty) lent to him irresponsibly.BackgroundThis complaint is about an open-ended credit facility Drafty approved for Mr C in March 2018. Mr C says Drafty shouldn't have allowed him to open the facility as he couldn't aff... (2 pages)View decision -
Decision Reference DRN4832047
22 Mar 2018 Western Circle Limited Not upheldBanking and creditMr H complains that Western Circle Ltd (trading as Cashfloat) lent him money even though it couldn’t have been sure he could repay it.backgroundMr H borrowed £400 from Cashfloat on 29 January 2017. It was due to be repaid in two instalments of just under £273 each. ... (2 pages)View decision -
Decision Reference DRN6208061
23 Jan 2018 MMP Financial Limited Not upheldBanking and creditMr D complains that MMP Financial Limited, trading as Swift Sterling, gave him loans he couldn’t afford to repay.backgroundMr D took out the following loans with Swift Sterling: date £ amount borrowed /to be repaid (rounded)date repaid1 16 July 2016250/27227 July 20162 ... (2 pages)View decision -
Decision Reference DRN2124501
29 Oct 2015 PDL Finance Limited UpheldBanking and creditMr B has complained that PDL Finance Limited lent money to him when he wouldn’t be able to pay it back.backgroundMr B took out five payday loans with PDL between April 2012 and May 2014. He feels these were unaffordable. PDL offered him £150 as a goodwill gesture, ... (2 pages)View decision -
Decision Reference DRN3877280
29 Jan 2019 National Westminster Bank Plc Not upheldBanking and creditMr M complains that National Westminster Bank Plc (NatWest) lent to him irresponsibly by allowing him to extend his overdraft and take out loans despite having debt with other lenders. Mr M would like a full refund of interest and charges plus statutory interest.bac... (2 pages)View decision
