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 4717 results
-
Decision Reference DRN-4242837
14 Jul 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4242837 The complaint Mr B, through a representative, says Everyday Lending Limited (ELL), trading as Everyday Loans, irresponsibly lent to him. What happened Mr B took out three instalment loans from ELL. A summary of his borrowing follows. loan taken out value, £ term in months month... (3 pages)View decision -
Decision Reference DRN-5256766
23 Jan 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5256766 The complaint Mr S complains that Capital One (Europe) plc lent irresponsibly when it approved his credit card application. What happened Mr S applied for a credit card with Capital One in June 2023. In his application, Mr S said he was employed with an income of £32,500. M... (3 pages)View decision -
Decision Reference DRN-5156684
4 Dec 2024 Lendable Ltd Not upheldConsumer CreditDRN-5156684 The complaint Mrs P, through a representative, says Lendable Ltd irresponsibly lent to her. What happened Mrs P took out two instalment loans from Lendable. The first, in February 2021, was for £5,500 over 48 months; the monthly repayments were £182.83 and the total repayabl... (3 pages)View decision -
Decision Reference DRN-3952234
5 Apr 2023 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-3952234 The complaint Mr B complains that Co-Operative Bank Plc (“Co-Op Bank”) have failed to refund over £8,900 he says he lost to an investment scam in August 2021. What happened The details of this complaint are well known to both parties, so I won’t repeat everything again here. In... (3 pages)View decision -
Decision Reference DRN0204720
18 Apr 2017 MEM Consumer Finance Limited UpheldBanking and creditMr C has complained about short-term loans granted to him by MEM Consumer Finance Limited trading as Payday UK (“Payday UK” or “the lender”). backgroundPayday UK agreed four loans for Mr C in the period November 2015 to June 2016. The loan amounts ranged between £10... (3 pages)View decision -
Decision Reference DRN-1781844
26 Mar 2021 Zopa Limited Not upheldConsumer CreditDRN-1781844 The complaint Mr P complains that Zopa Limited (Zopa) lent to him irresponsibly. What happened In November 2017 Mr P applied on-line to Zopa for a £15,000 consolidation loan repayable over a four-year term. Zopa approved the loan and later that month the loan amount was paid in... (3 pages)View decision -
Decision Reference DRN-3450598
7 Jun 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3450598 The complaint Ms S complains that Madison CF UK Limited (trading as 118 118 Money) acted irresponsibly by granting her a loan that was unaffordable for her. She’s also raised concerns about how Madison has dealt with her when she made it aware that she was struggling to make he... (3 pages)View decision -
Decision Reference DRN-5353195
27 Mar 2025 HSBC UK Bank Plc Not upheldConsumer CreditDRN-5353195 The complaint Mr G complains that HSBC UK Bank Plc was irresponsible in its lending to him. What happened Mr G was provided with three loans by HSBC. Loan Date Amount Term Monthly repayments 1 May 2021 £8,000 36 months £253 2 July 2023 £8,000 36 months £267 3 March 2024 £11,... (4 pages)View decision -
Decision Reference DRN-4590847
29 Mar 2024 Nationwide Building Society UpheldBanking and PaymentsDRN-4590847 The complaint Mr R complained that Nationwide Building Society (“Nationwide”) irresponsibly granted an overdraft in August 2022 that he couldn’t afford to repay. What happened In August 2022, Mr R was granted an overdraft of £2,000 on his current account. Mr R thinks that Natio... (3 pages)View decision -
Decision Reference DRN9531068
28 Feb 2020 PDL Finance Limited UpheldBanking and creditMr G complains that PDL Finance Limited, trading as Mr Lender, lent to him in an irresponsible manner.backgroundMr G took out three instalment loans with Mr Lender in February and March 2018. Loans one and two were repayable over three instalments. Mr G repaid those loans soon after he too... (3 pages)View decision
