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 DRN-5441210
31 Jul 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5441210 Complaint Mr B complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable given his circumstances at the time and so he shouldn’t have been lent ... (3 pages)View decision -
Decision Reference DRN5077734
1 Feb 2018 Euronetcash, Llc Not upheldBanking and creditMr S complains that EuroNetCash LLC (trading as On Stride Financial) gave him a loan that he couldn’t afford.backgroundIn 2015 Mr S took a loan for £1,000 with On Stride Financial. The loan was repayable by thirteen monthly instalments of £104.24.Mr S repaid the loan ... (2 pages)View decision -
Decision Reference DRN-4114046
6 Oct 2023 TSB Bank plc Not upheldBanking and PaymentsDRN-4114046 The complaint Mr W complains that TSB Plc, trading as TSB Bank (‘TSB’), irresponsibly gave him a credit card account that he couldn’t afford. What happened Mr W was granted his credit card account in September 2021. The opening credit limit was £2,500. It was never increased. M... (2 pages)View decision -
Decision Reference DRN-5805313
21 Nov 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5805313 The complaint Miss A complains that Vanquis Bank Limited trading as Vanquis irresponsibly lent to her. What happened Miss A was approved for a Vanquis credit card in May 2019, with a £500 credit limit. Miss A says that this was irresponsibly lent to her. Miss A made a compla... (3 pages)View decision -
Decision Reference DRN-5186480
17 Apr 2025 Black Horse Limited Not upheldConsumer CreditDRN-5186480 The complaint Mr L, who is represented by a third party, complains that Black Horse Limited (‘Black Horse’) irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In September 2016 Mr L acquired a car financed by way of a hire purchas... (4 pages)View decision -
Decision Reference DRN-2909011
5 Jul 2021 Loans 2 Go Limited Not upheldConsumer CreditDRN-2909011 The complaint Mr M is unhappy that Loans 2 Go Limited approved him for a loan which he feels was unaffordable for him at that time. What happened In December 2018, Mr M applied for a loan with Loans 2 Go. His application was approved, and Mr M received the loan funds later that... (4 pages)View decision -
Decision Reference DRN8816958
15 Jul 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr S complains that The Royal Bank of Scotland plc has allowed payments to be taken from his account which he did not authorise. He also complains that it did not properly investigate the payments.backgroundMr S disputes making payments of £600 and £900 on a day in... (2 pages)View decision -
Decision Reference DRN-5359456
3 Mar 2025 Startline Motor Finance Limited Not upheldConsumer CreditDRN-5359456 Complaint Mr M complains that Startline Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said he shouldn’t have been lent to given his previous credit history. Background In September 2017, SMF provided Mr M with finance for a us... (3 pages)View decision -
Decision Reference DRN-2177466
2 Oct 2020 PDL Finance Limited UpheldConsumer CreditDRN-2177466 The complaint Mr D says PDL Finance Limited, trading as Mr Lender, irresponsibly lent to him. What happened This complaint is about eight loans Mr Lender provided to Mr D between July 2014 and July 2019. A summary of Mr D’s borrowing history, as evidenced by Mr Lender, is as fo... (3 pages)View decision -
Decision Reference DRN-4274287
26 Oct 2023 Loans 2 Go Limited Not upheldConsumer CreditDRN-4274287 The complaint Mr T complained that Loans 2 Go Limited (“Loans 2 Go”) irresponsibly granted him two personal loans (in March and September 2022) that he couldn’t afford to repay. What happened In March 2022, Mr T took out a loan of £500 (account number ending 1288), over a term ... (3 pages)View decision