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 DRN4680764
22 Feb 2019 PDL Finance Limited Not upheldBanking and creditMr G complains that PDL Finance Limited (trading as Mr Lender) didn’t do enough affordability checks before lending him money.backgroundMr G had two instalment loans from Mr Lender between October 2016 and January 2017 as follows:Loan Date AmountTerm Due Max Repayment Repa... (2 pages)View decision -
Decision Reference DRN-5750937
19 Jan 2026 PROPEL HOLDINGS (UK) LIMITED Not upheldConsumer CreditDRN-5750937 The complaint Mr J complains that PROPEL HOLDINGS (UK) LIMITED trading as Quid Market lent to him irresponsibly. Mr J says that proper checks would have led to Quid Market recognising he had a gambling problem and so would not have lent to him. What happened Here is a brief ... (2 pages)View decision -
Decision Reference DRN0229489
13 Apr 2018 Gain Credit LLC Not upheldBanking and creditMr H complains that Gain Credit LLC (trading as Lending Stream) lent him money that he couldn’t afford to repay.Mr H is represented in his complaint by a claims management company.backgroundMr H took out six loans with Lending Stream between January and September 2015.... (3 pages)View decision -
Decision Reference DRN0140887
15 Oct 2018 Uncle Buck Finance LLP UpheldBanking and creditMr J complains that loans he had from Uncle Buck Finance LLP were unaffordable.backgroundMr J had five loans from Uncle Buck between 9 January 2015 and 1 June 2015 as follows:LoanDateAmountTermMonthly RepaymentDueSettled19 Jan 2015£30020d£348.0028 Jan 2015On time231 Jan... (3 pages)View decision -
Decision Reference DRN8838061
21 Jun 2018 PDL Finance Limited UpheldBanking and creditMr D says PDL Finance Limited, trading as Mr Lender, gave him loans he couldn’t afford to repay. He says these loans trapped him into a spiral of debt and that Mr Lender should’ve known he was struggling financially.backgroundI issued my provisional decision on this case... (3 pages)View decision -
Decision Reference DRN-3650171
14 Sep 2022 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-3650171 The complaint Mr O complains that Mitsubishi HC Capital UK Plc, trading as Hitachi Personal Finance (“Hitachi”) provided him with credit he couldn’t afford to repay. What happened Hitachi approved an £11,000 loan for Mr O in December 2021. He was to make 48 monthly repayments o... (3 pages)View decision -
Decision Reference DRN-3967082
30 Mar 2023 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3967082 The complaint Mr R complains that Moneybarn No. 1 Limited irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In December 2016, Mr R acquired a used car financed by a conditional sale agreement from Moneybarn. Mr R was required to m... (2 pages)View decision -
Decision Reference DRN-4042311
3 Jul 2023 Commsave Credit Union Limited Not upheldConsumer CreditDRN-4042311 The complaint Miss F has complained to us about the irresponsible sale of loans given by Commsave Credit Union Limited (‘Commsave’). What happened Commsave thought the lending decisions were reasonable. Miss F didn’t agree and brought her complaint to this service. One of our i... (2 pages)View decision -
Decision Reference DRN-4164444
24 Jul 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-4164444 The complaint Mr R has complained Santander UK plc won’t refund five card transactions he’s disputed. What happened In July 2022 Mr R called Santander to notify them of transactions he didn’t recognise. He’d been alerted as he didn’t recognise transactions that were carried out... (2 pages)View decision -
Decision Reference DRN-3123292
17 Jan 2022 TFS Loans Limited UpheldConsumer CreditDRN-3123292 The complaint Mr H complains about a guarantor loan provided to him by TFS Loans Limited, (“TFS”), which he says was unaffordable. What happened TFS provided Mr H with a loan of £12,000 on 2 December 2016. The loan was secured by a guarantor who would be responsible for repayin... (6 pages)View decision