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
-
Decision Reference DRN-4053960
23 Aug 2023 My Finance Club Limited Not upheldConsumer CreditDRN-4053960 The complaint Mr M complains that My Finance Club Limited (MFC) lent to him without doing the right checks. What happened Mr M took four loans from MFC and using the information available to me from its records here is a summary of those: Loan Approved Amount Repaid * repaid ea... (3 pages)View decision -
Decision Reference DRN3068467
22 May 2018 Active Securities Limited UpheldBanking and creditMr A complains that Active Securities Limited, trading as 247 Moneybox, was irresponsible to give him loans that he couldn’t afford to pay back. This contributed to his spiral of debt.backgroundMr A borrowed seven times from 247 Moneybox between April and December 2012,... (3 pages)View decision -
Decision Reference DRN-4111195
10 May 2023 Oplo PL Ltd Not upheldConsumer CreditDRN-4111195 The complaint Mr L complains that Oplo PL Ltd lent him a loan he couldn’t afford. What happened The background to this complaint is well known to both parties so I won’t repeat them here. Our adjudicator didn’t uphold Mr L’s complaint as he thought Oplo had done enough before l... (2 pages)View decision -
Decision Reference DRN8299918
24 May 2018 MYJAR Limited Not upheldBanking and creditMr H complains that MYJAR Limited (MYJAR) gave him a loan he couldn’t afford to repay.backgroundMr H had one loan from MYJAR in November 2017. It was for £500 and due to be repaid in three instalments, the highest of which was about £268. Mr H told MYJAR he was havin... (2 pages)View decision -
Decision Reference DRN4011395
4 May 2018 Casheuronet UK LLC UpheldBanking and creditMr W complains CashEuroNet UK LLC, trading as QuickQuid, gave him loans he couldn’t afford to repay.backgroundOur adjudicator recommended the complaint be upheld in part. QuickQuid disagreed and so the case was passed to me for a decision.I issued a provisional deci... (7 pages)View decision -
Decision Reference DRN2569377
24 Jul 2017 UK Credit Limited Not upheldBanking and creditMr M complains that UK Credit Limited shouldn’t have granted him a loan as it was unaffordable. He’s also unhappy about the amount he’s been repaying on the loan and the amount of interest.backgroundMr M took out a loan with UK Credit in December 2012 for £3500. The... (2 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 DRN4943067
11 Jan 2018 Lending Stream Llc UpheldBanking and creditMr A complains that Lending Stream LLC wrongly lent him money he couldn’t afford to pay back.backgroundMr A took out four instalment loans with Lending Stream between October and November 2013. He said that the business didn’t carry out proper affordability checks and allo... (3 pages)View decision -
Decision Reference DRN6618182
1 Aug 2017 Creation Financial Services Limited Not upheldBanking and creditMr D complains that Creation Financial Services Limited made mistakes in dealing with payments from his account, provided poor customer service and wrongly applied charges.backgroundThe adjudicator did not recommend that CFSL do any more than it had already offered to. S... (3 pages)View decision -
Decision Reference DRN-4688114
18 Mar 2024 Lloyds Bank PLC UpheldConsumer CreditDRN-4688114 The complaint Mr I complains that Lloyds Bank PLC irresponsibly lent to him. What happened I issued a provisional decision where I set out a detailed background to this complaint, so I won’t repeat the background here. My provisional decision forms part of this final decision a... (3 pages)View decision
