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 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 DRN4868980
25 Aug 2017 National Westminster Bank Plc Not upheldBanking and creditMs R complains that National Westminster Bank Plc took £2,000 from her account and sent her a bank card in her father’s name. She also complains about abusive behaviour from NatWest’s staff and that a manager followed her into another bank to cause trouble.background ... (2 pages)View decision -
Decision Reference DRN-4213434
9 Nov 2023 Morses Club PLC Not upheldConsumer CreditDRN-4213434 The complaint Mr M complains that Morses Club PLC irresponsibly gave him a fixed sum loan agreement he couldn’t afford to repay. What happened In October 2022, Mr M applied for a personal loan with Morses. He borrowed £980 which was to be repaid by 52 weekly repayments of £36.7... (2 pages)View decision -
Decision Reference DRN9667218
27 Feb 2018 Paysafe Financial Services Limited UpheldBanking and creditMr W has complained Paysafe Financial Services Limited, trading as Neteller, haven’t paid what he believes is owed under a promotional cashback offer. backgroundMr W got an offer from Neteller about an end-of-year promotion. If he made transactions over a certain value, he ... (2 pages)View decision -
Decision Reference DRN7672513
2 Sep 2019 Western Circle Limited UpheldBanking and creditMr H complains that Western Circle Ltd (trading as Cashfloat) did not do proper affordability checks before lending him money.backgroundMr H had three loans from Cashfloat between December 2016 and April 2017 as follows:Loan Date AmountTerm Due Repayment Repaid 116 Dec 2016£2001m25 Jan 201... (3 pages)View decision -
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 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-5454192
3 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5454192 The complaint Mr O complains that NewDay Ltd lent irresponsibly when it approved two credit card applications and increased the credit limit on both accounts. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I... (5 pages)View decision -
Decision Reference DRN-4131118
21 Jun 2023 Chetwood Financial Limited Not upheldConsumer CreditDRN-4131118 The complaint Mrs A complains that Chetwood Financial Limited trading as LiveLend (LL) lent to her irresponsibly. What happened In March 2019 Mrs A applied to LL for a loan. LL approved the application and gave Mrs A a loan for £2000 repayable over a term of 24 months with mont... (2 pages)View decision
