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 4726 results
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Decision Reference DRN1761742
9 Jan 2018 Lending Stream Llc Not upheldBanking and creditMiss S complains that Lending Stream LLC gave her unaffordable instalment loans. She wants a refund, with interest.backgroundMiss S had two loans from Lending Stream between September and October 2013. She said she had other short-term loans and things got out of contr... (2 pages)View decision -
Decision Reference DRN8744970
20 Jul 2020 Retail Money Market Ltd UpheldBanking and creditMrs S complains that Retail Money Market Ltd wrongly allowed her then husband to take out a loan in her name, but has sought payment from her. Retail Money Market Ltd trades as RateSetter.backgroundIn June 2018 a £3,500 loan was taken out in Mrs S’s name. The loan proceeds were paid into t... (3 pages)View decision -
Decision Reference DRN6500563
19 Feb 2018 NewDay Ltd Not upheldBanking and creditMr M says it was irresponsible of NewDay Ltd to accept his application for a credit card, given his financial circumstances at the time.backgroundMr M applied for a credit card with NewDay in April 2016. NewDay accepted his application and set a credit limit of £450. ... (2 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 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 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 DRN3365127
18 Sep 2019 Provident Personal Credit Limited Not upheldBanking and creditMr A says Provident Personal Credit Limited (trading as Satsuma) irresponsibly lent to him.backgroundSatsuma provided Mr A with a loan for £400 in March 2018. The loan was due to be repaid in three monthly instalments of £196.80. Mr A hasn’t repaid any part of the loan and so the loan bala... (2 pages)View decision -
Decision Reference DRN9766194
5 Feb 2016 TSB Bank plc UpheldBanking and creditMr T complains TSB Bank plc didn’t help him when he was trying to get money repaid to him.backgroundIn August 2015 Mr T used a gambling website and made a number of transactions. He spent the equivalent of £3,642. According to the casino site he used, he won mo... (2 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
