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 4727 results
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Decision Reference DRN1818428
5 Feb 2016 Lloyds Bank PLC Not upheldBanking and creditThis complaint is about a current account and personal loan held with Lloyds Bank PLC. Mr and Mrs P say Lloyds provided the loan to Mr P irresponsibly, because it searched Mrs P’s credit file (rather than his) and failed to check he could afford it. They say the ... (2 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 DRN6520857
31 May 2017 MEM Consumer Finance Limited UpheldBanking and creditMr T complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans he couldn’t afford to repay. He asks for compensation and a full refund. Mr T is represented by a claims management company.backgroundMr T took out nine loans with Payday UK ... (5 pages)View decision -
Decision Reference DRN2239831
30 Mar 2017 Lending Stream Llc UpheldBanking and creditMr K has complained about short-term loans granted to him by Lending Stream LLC (“Lending Stream” or “the lender”). backgroundThe background to the complaint was set out in my provisional decision dated 9 March 2017, a copy of which is attached and forms part of this fi... (5 pages)View decision -
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 DRN4855415
17 Mar 2017 Creation Financial Services Limited UpheldBanking and creditMr S is unhappy that Creation Financial Services Limited (‘Creation’) charged him a cash advance fee when he used his credit card to buy some gift vouchers.backgroundIn December 2016, Mr S bought a £100 gift card with his credit card. On receipt of his credit card stat... (2 pages)View decision -
Decision Reference DRN-4592585
29 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4592585 The complaint Miss B complains that Vanquis Bank Limited was irresponsible to lend to her. What happened Miss B was approved for a credit card with Vanquis on 26 November 2022. The credit limit was set at £1,200 and this remained unchanged. Miss B says Vanquis should have asked... (2 pages)View decision -
Decision Reference DRN1231931
9 Sep 2016 Express Finance (Bromley) Limited UpheldBanking and creditMr C complains that Express Finance (Bromley) Limited (trading as Payday Express) gave him loans he couldn’t afford to repay. He asks that it writes off the debt, corrects his credit file and pays compensation.backgroundMr C took two loans from Payday Express in Nov... (2 pages)View decision -
Decision Reference DRN-3598639
1 Sep 2022 National Westminster Bank Plc UpheldConsumer CreditDRN-3598639 The complaint Mr O complains that National Westminster Bank Plc (“Nat West”) provided him with credit he couldn’t afford to repay. What happened Nat West approved a £6,000 loan application and provided further credit in the form of a £1,500 overdraft limit in December 2021. Mr ... (2 pages)View decision
