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-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-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-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-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 DRN6520857
31 May 2017 MEM Consumer Finance Limited UpheldBanking and creditMr T complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans he couldn’t afford to repay. He asks for compensation and a full refund. Mr T is represented by a claims management company.backgroundMr T took out nine loans with Payday UK ... (5 pages)View decision -
Decision Reference DRN-3402135
31 Mar 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-3402135 The complaint Mr M complains that Loans 2 Go Limited lent to him irresponsibly. What happened Mr M was approved for a loan on 4 June 2021 of £250 repayable at just over £13 a week for 78 weeks which is about 18 months. The total amount payable was around £1,028. Notes from Loan... (3 pages)View decision -
Decision Reference DRN-3658213
19 Aug 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3658213 The complaint Mr R complains that Barclays Bank UK PLC, trading as Barclaycard (“Barclaycard”), irresponsibly granted him a credit card he couldn’t afford to repay. What happened In February 2017 Mr R entered into an agreement with Barclaycard to have access to credit by way of... (2 pages)View decision -
Decision Reference DRN6574499
14 Mar 2017 Clydesdale Bank Plc Not upheldBanking and creditMr S complains that Clydesdale Bank Plc didn’t tell him his wife had been transferring and withdrawing large amounts of money from their joint savings account. He said if he had been contacted he may have been able prevent some of these transactions. backgroundMr S and... (2 pages)View decision -
Decision Reference DRN-2475321
1 Nov 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2475321 The complaint Mr K complains that Loans2Go Limited irresponsibly lent to him. What happened The details of this complaint are well known to both parties, so I won’t repeat them all again here. In summary Loans2Go lent Mr K one loan in November 2019, the loan was for £1,000 and ... (2 pages)View decision
