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-3914736
9 Feb 2023 Fluro Platform Limited Not upheldConsumer CreditDRN-3914736 The complaint Mr L complains Fluro Platform Limited trading as Lending Works (‘Lending Works’) irresponsibly lent to him. What happened Lending Works approved Mr L for a £5,000 loan in June 2019. The term of the loan was 36 months, with repayments of approximately £170 per mont... (3 pages)View decision -
Decision Reference DRN-2833639
27 Jan 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-2833639 The complaint Mr Z complains that Loans 2 Go Limited irresponsibly lent to him when he took out two personal loans with it. What happened In August 2018 Mr Z borrowed £500 from Loans 2 Go. This loan was taken over a period of 18 months with a monthly repayment amount of £113.28... (3 pages)View decision -
Decision Reference DRN-3473661
26 May 2022 Lendable Ltd UpheldConsumer CreditDRN-3473661 The complaint Mr V has complained that Lendable Ltd was irresponsible in lending to him. What happened In August 2021 Lendable provided Mr V with a loan of £5,000 repayable over 24 months. The monthly repayments were £293.08. After he struggled to repay the loan, Lendable put i... (3 pages)View decision -
Decision Reference DRN8361979
22 Jun 2017 Euronetcash, Llc Not upheldBanking and creditMr D complains that EuroNetCash LLC, trading as On Stride Financial, irresponsibly lent him money without properly carrying out checks of whether he could afford to repay it.backgroundIn December 2016 Mr D borrowed £4,000 from On Stride Financial over a term of three ... (2 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 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-3732915
17 Oct 2022 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-3732915 The complaint Mr F complains that Sainsbury's Bank Plc irresponsibly gave him a loan that he couldn’t afford. For simplicity, I will refer to the business throughout as ‘Sainsbury’s’. What happened In November 2020, Mr F applied for a loan with Sainsbury’s. He was given a ... (4 pages)View decision -
Decision Reference DRN-3386904
25 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3386904 The complaint Mr W complains that Everyday Lending Limited lent to him irresponsibly. What happened Mr W took one loan with Everyday Lending. It was approved for him on 22 May 2019 for £3,100 repayable over 36 months at £247.09 each month. The total charge for credit was £5,795... (4 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-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