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 DRN0695457
27 Jan 2020 MYJAR Limited UpheldBanking and creditMr S complains that MYJAR Limited was irresponsible to lend to him.backgroundMr S had five 12-month instalment loans from Myjar between May 2017 and April 2018 as follows:Loan Date AmountTermMonthly Repayment DueRepaid 18 May 2017£1,825357d£270.7430 Apr 201825 Aug 201727 Sep 2017£700358d£1... (2 pages)View decision -
Decision Reference DRN5706967
9 Sep 2016 PDL Finance Limited UpheldBanking and creditMr C complains that PDL Finance Limited (trading as Mr Lender) gave him loans he couldn’t afford to repay. He asks that it writes off the debt, corrects his credit file and pays compensation. backgroundMr C took two loans from Mr Lender in November 2012 and January... (2 pages)View decision -
Decision Reference DRN-1747601
7 Jul 2020 PDL Finance Limited Not upheldConsumer CreditDRN-1747601 The complaintMr S complains that PDL Finance Limited (trading as Mr Lender) was irresponsible to lend to him. What happenedMr S had two loans from Mr Lender between June and December 2017 as follows:Loan Date AmountTermMax Monthly Repayment Due Repaid 128 Jun 2017£3006m£1061 D... (2 pages)View decision -
Decision Reference DRN-3359528
10 Mar 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3359528 The complaint Mr B has complained that Madison CF UK Limited trading as 118 118 Money was irresponsible in lending to him. What happened 118 118 Money provided Mr B with the following loans: Date taken Total Loan Term Monthly repayment Amount Borrowed Date repaid Loan 1 24/06/1... (4 pages)View decision -
Decision Reference DRN1501102
24 Jul 2017 Amigo Loans Ltd Not upheldBanking and creditMr M complains that Amigo Loans Ltd shouldn’t have granted him a loan as it was unaffordable. He’s also unhappy about the amount he’s been repaying on the loan and the amount of interest.backgroundMr M took out a guarantor loan for £5000 with Amigo in 2013 the APR wa... (2 pages)View decision -
Decision Reference DRN7073399
30 Jun 2017 Casheuronet UK LLC UpheldBanking and creditMr R has complained about loans granted to him by CashEuroNet UK LLC trading as Pounds to Pocket (“Pounds to Pocket”). He’s said they were unaffordable for him.backgroundPounds to Pocket says it agreed nine loans for Mr R during the period March 2012 to December 201... (4 pages)View decision -
Decision Reference DRN-2945616
1 Dec 2021 Nationwide Building Society Not upheldConsumer CreditDRN-2945616 The complaint Miss B complains that her loan with Nationwide Building Society (“Nationwide”) was lent to her irresponsibly. What happened In 2014 Miss B took out a £5,000 loan over 48 months. The loan was applied for and approved on Nationwide’s website. Miss B says she was in ... (3 pages)View decision -
Decision Reference DRN-2984924
20 Jan 2022 Retail Money Market Ltd UpheldConsumer CreditDRN-2984924 The complaint Miss B says Retail Money Market Ltd (trading as RateSetter) facilitated a loan for her that she couldn’t afford. What happened Miss B took out a loan for £2,000 through RateSetter’s electronic system in January 2017. The loan total of £2,364.24, including interes... (3 pages)View decision -
Decision Reference DRN-4021000
14 Mar 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4021000 The complaint Mr R says Bank of Scotland plc, trading as Halifax, irresponsibly lent to him. What happened Mr R applied for a credit card online from Halifax in May 2022. The bank approved his application and gave him a £4,500 credit limit. Mr R says he should not have been giv... (2 pages)View decision -
Decision Reference DRN-3919388
1 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3919388 The complaint Mr C says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr C applied for a credit card in March 2018. It was approved with a limit of £250. His credit limit was increased once to £1,250 in July 2022. After Mr C complained to NewDay saying t... (2 pages)View decision
