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 5118 results
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Decision Reference DRN-3388678
22 Mar 2022 Lendable Ltd UpheldConsumer CreditDRN-3388678 The complaint Mr G has complained that Lendable Ltd (“Lendable”) provided him with an unaffordable loan. What happened Lendable provided Mr G with a loan of £7,500.00 in October 2020. This loan had a 12-month term with a monthly repayment amount of £764.96. This all meant the t... (3 pages)View decision -
Decision Reference DRN-2612819
24 Mar 2021 PDL Finance Limited Not upheldConsumer CreditDRN-2612819 The complaint Mr M complains that PDL Finance Limited trading as Mr Lender was irresponsible in its lending to him. What happened Mr M took out two loans with Mr Lender, one in August 2017 and the second in January 2018. Both loans were for £250. Loan Date Taken Date Repaid Ins... (3 pages)View decision -
Decision Reference DRN-5457124
18 Sep 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5457124 The complaint Mr N says Moneybarn No. 1 Limited (‘Moneybarn’), irresponsibly lent to him. He says that it didn’t take reasonable steps to ensure he could afford the repayments towards a conditional sale agreement to purchase a car. He says that no credit checks were conducte... (3 pages)View decision -
Decision Reference DRN5054955
10 Oct 2017 Lending Stream Llc UpheldBanking and creditMr R complains that Lending Stream LLC gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file.backgroundMr R took out 29 loans between November 2012 and May 2016. He s... (3 pages)View decision -
Decision Reference DRN-2559088
20 Apr 2021 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-2559088 The complaint Ms E complains Lloyds Bank PLC will not refund some disputed transactions made to a gambling company. Lloyds say it considers the transactions to be authorised. What happened Ms E complained to Lloyds about 26 transactions made from her account. They were all mad... (3 pages)View decision -
Decision Reference DRN-4748753
26 Apr 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4748753 Complaint Mr D complains that Moneybarn Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Mr D is being assisted with his complaint by a Claims Management Company (“CMC”). ... (3 pages)View decision -
Decision Reference DRN-4566130
22 Jan 2024 Go Car Credit Limited Not upheldConsumer CreditDRN-4566130 Complaint Mr M complains that Go Car Credit Limited (“Go Car Credit”) unfairly entered into a hire purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In November 2018, Go Car Credit provided Mr M with finance for a u... (3 pages)View decision -
Decision Reference DRN0702591
9 Nov 2018 Casheuronet UK LLC UpheldBanking and creditMrs S complains that CashEuroNet UK LLC (trading as Quick Quid) gave her unaffordable payday loans. She wants a refund of the interest she paid and her credit file amended. backgroundMrs S had ten loans and seven top ups from Quick Quid between August 2015 and Oc... (3 pages)View decision -
Decision Reference DRN0155165
14 Jul 2017 WDFC UK Limited UpheldBanking and creditMiss R complains that WDFC UK Limited (trading as Wonga) gave her loans she couldn’t afford to repay. She asks that it refunds interest, with 8% interest, and removes the loans from her credit file.backgroundMiss R took out 27 loans and three top up loans between Marc... (3 pages)View decision -
Decision Reference DRN1818230
12 Sep 2017 Casheuronet UK LLC Not upheldBanking and creditMs B complains that CashEuroNet UK LLC (trading as Quick Quid) gave her loans that she couldn’t afford to repay. She asks that it refunds interest and charges and removes information about the loans from her credit file.background Ms B took out seven loans between Nove... (3 pages)View decision
