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 4726 results
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Decision Reference DRN4107809
15 Feb 2018 NewDay Ltd UpheldBanking and creditMr W complains that it was irresponsible for NewDay Limited to give him a credit card and then to increase his credit limit.backgroundMr W opened a credit card account with NewDay in 2014. Later that year he entered into a debt management plan and NewDay sold his acco... (2 pages)View decision -
Decision Reference DRN-3517008
6 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3517008 The complaint Mr B complains that NewDay Ltd trading as Aqua lent to him irresponsibly when it provided him with credit limits. What happened I issued my provisional decision about this complaint on 11 May 2022. I provisionally upheld the complaint. Here’s what I said: What hap... (6 pages)View decision -
Decision Reference DRN-3619443
28 Jul 2022 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-3619443 The complaint and what happened Mr H complains that Tesco Personal Finance PLC, trading as Tesco Bank, lent to him irresponsibly and without carrying out proper affordability checks. He would like all the fees and charges associated with the loan refunded, along with some of th... (4 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 -
Decision Reference DRN2681796
21 Nov 2017 Uncle Buck Finance LLP UpheldBanking and creditMrs A complains Uncle Buck Finance LLP (“UBF”) provided her with loans she couldn’t afford to repay.backgroundThe background to this complaint, and my initial two sets of findings on it, can be found in the attached provisional decisions which form a part of and shou... (9 pages)View decision -
Decision Reference DRN-2859097
16 Jul 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2859097 The complaint Mr C complains that Loans 2 Go Limited acted irresponsibly when lending to him. What happened Loans 2 Go provided Mr C with a loan as follows: Loan Start date Capital amount borrowed Term Monthly repayment 1 June 2020 £300 18 months £68.57 Mr C mainly said that Lo... (4 pages)View decision -
Decision Reference DRN2709562
30 Mar 2019 Uncle Buck Finance LLP UpheldBanking and creditMr B complains that Uncle Buck Financial LLP (Uncle Buck) didn’t carry out proper affordability checks and shouldn’t have agreed to lend him 9 loans as he couldn’t pay them back.backgroundMr B took out 9 short term loans between 7th August 2014 and 6th August 2015. A ... (4 pages)View decision -
Decision Reference DRN-4978869
6 Sep 2024 Everyday Lending Limited Not upheldConsumer CreditDRN-4978869 The complaint Mr B says Everyday Lending Limited (ELL), trading as Everyday Loans, irresponsibly lent to him. What happened Mr B took out a loan for £1,500 over 18 months in December 2023. The monthly repayments were £147.05 and the total repayable was £2,646.90. He says th... (3 pages)View decision -
Decision Reference DRN9227648
24 Nov 2017 Barclays Bank Plc Not upheldBanking and creditMr R complains that Barclays Bank Plc was irresponsible in giving him 4 loans at a time when he was a compulsive gambler. He wants the loans and interest written off and his credit file adjusted.backgroundMr R applied to Barclays online and succeeded in getting 4 loan... (2 pages)View decision -
Decision Reference DRN3934732
18 Jun 2019 Ferratum UK Ltd. UpheldBanking and creditMr D complains that Ferratum UK Ltd gave him unaffordable payday loans. He wants a refund of all interest and charges and for the remaining capital balance to be written off.backgroundMr D had six loans from Ferratum taken out between September 2016 and August 2017... (2 pages)View decision
