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-3694457
10 Oct 2022 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-3694457 The complaint Mr G is complaining that Hitachi HC Capital UK PLC trading as Hitachi Personal Finance lent to him when it shouldn’t have. What happened Hitachi lent Mr G one loan in July 2016. The loan was for £7,350 to be repaid in 60 monthly instalments of £156.29. In May 2019... (2 pages)View decision -
Decision Reference DRN4018584
17 Mar 2021 Tesco Personal Finance PLC UpheldBanking and creditMr D complains about Tesco Personal Finance PLC’s decision to lend to him. Mr D is represented by his mother, but, to keep things simple, I’ll refer to everything that’s been said on his behalf as if Mr D had said it himself. background I set out the background to Mr D’s complaint in my ea... (9 pages)View decision -
Decision Reference DRN-4489859
1 Dec 2023 Yorkshire Building Society Not upheldBanking and PaymentsDRN-4489859 The complaint Mrs H complains about the lack of management and oversight of her bank account with a business owned by Yorkshire Building Society. Mrs H is elderly and is represented by her daughter who has power of attorney. I have just referred to Yorkshire in this decision. W... (5 pages)View decision -
Decision Reference DRN-5649544
13 Oct 2025 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5649544 The complaint Mr M says Oakbrook Finance Limited, trading as Finio Loans, irresponsibly lent to him. What happened Mr M took out a loan from Finio Loans on 6 December 2024. It was for £2,500 over 24 months. The monthly repayments were £164.79 and the total repayable was £3,9... (3 pages)View decision -
Decision Reference DRN-3716134
20 Oct 2022 Shawbrook Bank Limited Not upheldConsumer CreditDRN-3716134 The complaint Mr P complains that Shawbrook Bank Limited was irresponsible in its lending to him. What happened Mr P was provided with a £8,000 48-month fixed sum loan by Shawbrook in January 2020. He says that at the time he had a poor credit rating and that had adequate check... (2 pages)View decision -
Decision Reference DRN3526514
22 Oct 2018 Active Securities Limited UpheldBanking and creditMr C complains that Active Securities Limited (trading as 24/7 Moneybox) was irresponsible in its lending to him.backgroundMr C took out numerous loans with 24/7 Moneybox between 2012 and 2016. He says that the lending was irresponsible.24/7 Moneybox says that before ... (3 pages)View decision -
Decision Reference DRN6620504
11 Aug 2016 Casheuronet UK LLC UpheldBanking and creditMr H complains that Casheuronet UK LLC lent irresponsibly to him. our initial conclusionsOur adjudicator thought that given the very particular circumstances of Mr H’s complaint Casheuronet hadn’t done sufficient checks before it lent to him. She thought if it had done... (2 pages)View decision -
Decision Reference DRN-4535254
11 Mar 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4535254 Complaint Mrs M has complained about an overdraft that TSB Bank plc (“TSB”) provided to her. She says the overdraft she was provided with was unaffordable for her. Background TSB provided Mrs M with an overdraft that had a limit of £500 in November 2020. The credit limit on the... (3 pages)View decision -
Decision Reference DRN-2499339
26 Jan 2021 Gain Credit LLC Not upheldConsumer CreditDRN-2499339 The complaint Miss H complains that Gain Credit LLC (trading as Lending Stream) was irresponsible to lend to her. What happened Miss H took out a £300 loan with Lending Stream on 26 May 2014. It was due to be repaid with six instalments, finishing on 1 December 2014. Miss H say... (3 pages)View decision -
Decision Reference DRN-3763049
30 Nov 2022 NewDay Ltd Not upheldConsumer CreditDRN-3763049 The complaint Mr G complains that NewDay Ltd (‘NewDay’) irresponsibly gave him two credit card account facilities that he couldn’t afford. What happened In January 2018, Mr G applied for and was given a credit card account with NewDay with an initial credit limit of £600, under... (2 pages)View decision