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 5123 results
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Decision Reference DRN-3845210
9 Dec 2022 Zopa Bank Limited Not upheldConsumer CreditDRN-3845210 The complaint Mr B says Zopa Bank Limited irresponsibly lent to him. What happened Zopa operates the lending platform which gave Mr B a 36-month loan for £4,000 on 4 January 2022. The monthly repayments were £175.47 and the total repayable was £6,316.97. Mr B repaid the loan in... (3 pages)View decision -
Decision Reference DRN7223848
18 Jul 2017 London Capital Group Ltd UpheldInvestment and pensionsMr B complains that London Capital Group Ltd (LCG) failed to follow his instructions not to phone him, breached the Data Protection Act 1998 by speaking to his wife about his accounts and encouraged him to trade despite being aware of his gambling addiction. Mr ... (3 pages)View decision -
Decision Reference DRN-4555601
12 Jan 2024 Everyday Lending Limited Not upheldConsumer CreditDRN-4555601 The complaint Mr M complains that Everyday Lending Limited trading as Everyday Loans irresponsibly gave him a loan that he couldn’t afford. For simplicity I will refer to the business as ‘Everyday’ during this decision. Mr M is represented in this complaint. For simplicity I wi... (3 pages)View decision -
Decision Reference DRN-5657299
31 Jul 2025 Savvy Loan Products Limited Not upheldConsumer CreditDRN-5657299 The complaint Mr P complains that Savvy Loan Products Limited trading as Ticktockloans.com (“Savvy”) irresponsibly provided him with a loan. What happened In July 2024 Mr P was granted with a loan for £300. It was to be repaid over six months with a monthly repayment amount... (3 pages)View decision -
Decision Reference DRN-4535386
2 May 2024 TSB Bank plc UpheldConsumer CreditDRN-4535386 The complaint Miss M has complained that TSB Bank plc (“TSB”) lent to her irresponsibly as it provided her with two unaffordable loans. What happened TSB provided Miss M with a loan of £5,000.00 in July 2022 after she applied in branch. This loan had a 60-month term with monthl... (5 pages)View decision -
Decision Reference DRN0720918
24 Aug 2018 Casheuronet UK LLC UpheldBanking and creditMr H complains that CashEuroNet UK LLC, trading as QuickQuid, (“QQ”), gave him loans that he couldn’t afford to repay.backgroundMr H borrowed 16 loans and seven top up loans from QQ between January 2014 and October 2017. All the loans have been repaid. A summary of th... (7 pages)View decision -
Decision Reference DRN-5130869
25 Nov 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-5130869 The complaint Mr T says Zopa Bank Limited irresponsibly lent to him. What happened Mr T took out a 24-month loan for £2,500 in September 2024. The monthly repayments were £243.21 and the total repayable was £2,918.55. Mr T says Zopa’s checks were inadequate: a thorough unde... (3 pages)View decision -
Decision Reference DRN2147247
25 Mar 2018 Gain Credit LLC UpheldBanking and creditMr C complains about 16 instalment loans that he took out with Gain Credit LLC, trading as Lending Stream, (“LS”). He said that LS shouldn’t have given him the loans as they were unaffordable.background Mr C took out 16 instalment loans with LS as follows:Number of LoanD... (5 pages)View decision -
Decision Reference DRN-3289248
1 Feb 2022 Logbook Money Limited UpheldConsumer CreditDRN-3289248 The complaint Mr G has complained that Logbook Money Limited (“LML”) was irresponsible to have agreed a loan for him. What happened LML provided Mr G with a loan of £1,500 on 30 May 2020. The total amount of £4,200.30, including interest and charges, was to be repaid in 78 week... (5 pages)View decision -
Decision Reference DRN7005678
18 Feb 2020 Bank of Scotland Plc UpheldBanking and creditMr L complains Bank of Scotland plc trading as Halifax (“Halifax”) were irresponsible when they approved multiple applications for an increase in his arranged overdraft.backgroundMr L brought his complaint to us as he was unhappy with the responses he received from Halifax in relation to h... (3 pages)View decision
